# EDGAR Filing Document

**Accession Number:** 0002083697
**File Stem:** 0001104659-26-007498
**Filing Date:** 2026-1
**Character Count:** 5805322
**Document Hash:** f7166d4dd7af676cd57b66d379e7e15a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-007498.hdr.sgml**: 20260128

**ACCESSION NUMBER**: 0001104659-26-007498

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

**PUBLIC DOCUMENT COUNT**: 63

**CONFORMED PERIOD OF REPORT**: 20260128

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

**FILED AS OF DATE**: 20260128

**DATE AS OF CHANGE**: 20260128

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07921
- **FILM NUMBER:** 26573671

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

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

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

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

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

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

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

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

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

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

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

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

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

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

___________________ to ___________________

Date of Report (Date of earliest event reported) __________________________

Commission File Number of securitizer: __________________________

Central Index Key Number of securitizer: __________________________

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

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

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

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

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

Central Index Key Number of depositor: 0002083697

**Verus Securitization Trust 2026-2**

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

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

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

---

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

---

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

N/A

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

N/A

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

N/A

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

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

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

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

N/A

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](tm264015d1_ex99-1.htm) | [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm264015d1_ex99-1.htm) |
| [99.2](tm264015d1_ex99-2.htm) | [AMC Data Compare Report](tm264015d1_ex99-2.htm) |
| [99.3](tm264015d1_ex99-3.htm) | [AMC Exception Grades](tm264015d1_ex99-3.htm) |
| [99.4](tm264015d1_ex99-4.htm) | [AMC Rating Agency Grades](tm264015d1_ex99-4.htm) |
| [99.5](tm264015d1_ex99-5.htm) | [AMC QM-ATR Diligence Report](tm264015d1_ex99-5.htm) |
| [99.6](tm264015d1_ex99-6.htm) | [AMC Valuation Report](tm264015d1_ex99-6.htm) |
| [99.7](tm264015d1_ex99-7.htm) | [AMC Supplemental Data](tm264015d1_ex99-7.htm) |
| [99.8](tm264015d1_ex99-8.htm) | [AMC Tax and Title Report](tm264015d1_ex99-8.htm) |
| [99.9](tm264015d1_ex99-9.htm) | [AMC Multi Property Valuation](tm264015d1_ex99-9.htm) |
| [99.10](tm264015d1_ex99-10.htm) | [Canopy Financial Technology Partners, LLC ("Canopy") Narrative](tm264015d1_ex99-10.htm) |
| [99.11](tm264015d1_ex99-11.htm) | [Canopy Rating Agency Grades Detail Report](tm264015d1_ex99-11.htm) |
| [99.12](tm264015d1_ex99-12.htm) | [Canopy Rating Agency Grades Summary Report](tm264015d1_ex99-12.htm) |
| [99.13](tm264015d1_ex99-13.htm) | [Canopy Data Compare Report](tm264015d1_ex99-13.htm) |
| [99.14](tm264015d1_ex99-14.htm) | [Canopy ATR QM Report](tm264015d1_ex99-14.htm) |
| [99.15](tm264015d1_ex99-15.htm) | [Canopy Valuation Report](tm264015d1_ex99-15.htm) |
| [99.16](tm264015d1_ex99-16.htm) | [Clarifii LLC ("Clarifii") Executive Summary](tm264015d1_ex99-16.htm) |
| [99.17](tm264015d1_ex99-17.htm) | [Clarifii Rating Agency Grades Detail Report](tm264015d1_ex99-17.htm) |
| [99.18](tm264015d1_ex99-18.htm) | [Clarifii Rating Agency Grades Summary Report](tm264015d1_ex99-18.htm) |
| [99.19](tm264015d1_ex99-19.htm) | [Clarifii Data Compare Report](tm264015d1_ex99-19.htm) |
| [99.20](tm264015d1_ex99-20.htm) | [Clarifii ATR QM Report](tm264015d1_ex99-20.htm) |
| [99.21](tm264015d1_ex99-21.htm) | [Clarifii Valuation Report](tm264015d1_ex99-21.htm) |
| [99.22](tm264015d1_ex99-22.htm) | [Clarifii Multi Property Valuation](tm264015d1_ex99-22.htm) |
| [99.23](tm264015d1_ex99-23.htm) | [Selene Diligence LLC ("Selene") Due Diligence Review Narrative ("Report")](tm264015d1_ex99-23.htm) |
| [99.24](tm264015d1_ex99-24.htm) | [Selene Rating Agency Grades Detail Report](tm264015d1_ex99-24.htm) |
| [99.25](tm264015d1_ex99-25.htm) | [Selene Rating Agency Grades Report](tm264015d1_ex99-25.htm) |
| [99.26](tm264015d1_ex99-26.htm) | [Selene Data Compare Report](tm264015d1_ex99-26.htm) |
| [99.27](tm264015d1_ex99-27.htm) | [Selene ATR QM Detail](tm264015d1_ex99-27.htm) |
| [99.28](tm264015d1_ex99-28.htm) | [Selene Valuations Report](tm264015d1_ex99-28.htm) |
| [99.29](tm264015d1_ex99-29.htm) | [Evolve Mortgage Services, LLC ("Evolve") Executive Summary](tm264015d1_ex99-29.htm) |
| [99.30](tm264015d1_ex99-30.htm) | [Evolve Exception Detail](tm264015d1_ex99-30.htm) |
| [99.31](tm264015d1_ex99-31.htm) | [Evolve Data Compare](tm264015d1_ex99-31.htm) |
| [99.32](tm264015d1_ex99-32.htm) | [Evolve QM ATR Data](tm264015d1_ex99-32.htm) |
| [99.33](tm264015d1_ex99-33.htm) | [Evolve Rating Agency Grades](tm264015d1_ex99-33.htm) |
| [99.34](tm264015d1_ex99-34.htm) | [Evolve Valuation Report](tm264015d1_ex99-34.htm) |
| [99.35](tm264015d1_ex99-35.htm) | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm264015d1_ex99-35.htm) |
| [99.36](tm264015d1_ex99-36.htm) | [Clayton Conditions Report](tm264015d1_ex99-36.htm) |
| [99.37](tm264015d1_ex99-37.htm) | [Clayton Loan Level Tape Compare Upload](tm264015d1_ex99-37.htm) |
| [99.38](tm264015d1_ex99-38.htm) | [Clayton Non ATR QM Upload](tm264015d1_ex99-38.htm) |
| [99.39](tm264015d1_ex99-39.htm) | [Clayton Rating Agency Grades Report](tm264015d1_ex99-39.htm) |
| [99.40](tm264015d1_ex99-40.htm) | [Clayton Valuations Summary](tm264015d1_ex99-40.htm) |

---

**SIGNATURE**

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

Date: January 28, 2026

---

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

---

## Exhibit 99.1

**EXHIBIT 99.1** 

**AMC Diligence, LLC ("AMC") Due Diligence Executive Summary**

![](tm264015d1_ex99-1img01.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly (or indirectly through Delaware statutory trusts) on a flow or mini-bulk basis by VMC Asset Pooler, LLC, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted from March 2025 through December 2025 on Loans with origination dates from October 2022 through December 2025 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained four hundred eight (408) Loans totaling an aggregate original principal balance of approximately $180.269 million (the "Loans").

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), DBRS, Inc. ("DBRS") and Fitch Ratings, Inc. ("Fitch").

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Guarantor 1 First Name | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Guarantor 1 Last Name | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Guarantor 2 Last Name | &nbsp;&nbsp;Original PITIA |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Prepayment Terms |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Total Cash-out |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;Zip |

---

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

1 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

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

Of specific note, there were one hundred fifty-five (155) Loans where the income was verified, and a DTI was calculated within Credit and Compliance Scope. The Client's program allowed for income documentation to be provided via bank statements, CPA letters and P&Ls. Within this securitization, nine (9) Loans utilized twenty-four (24) or more months of bank statements, seventy-three (73) Loans utilized twelve (12) through twenty-three (23) months of bank statements, six (6) Loans utilized twenty-four (24) or more months of P&L income, and twenty-six (26) Loans utilized twelve (12) months of P&L income. There were five (5) Loans that were considered asset depletion loans. The rest of the Loans were underwritten to tax returns, W-2s, 1099s or traditional methods of documentation with six (6) Loans only having 12 months of income verification.

There were two hundred fifty-three (253) Loans that were considered Business Purpose/Property Focused Investor Loans. One hundred eighty-nine (189) Loans were Property Focused Loans with DSCR calculation. The remaining sixty-four (64) Loans were considered Property Focused Loans with no DSCR calculation.

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

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

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

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

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

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

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

2 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

3 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

---

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

---

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

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

4 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

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

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

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

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

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

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

5 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

6 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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.

7 \| P a g e

![](tm264015d1_ex99-1img01.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 under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

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

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

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

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

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

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

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

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

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

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

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

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

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

&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.

8 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

---

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

---

---

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

---

---

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

---

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

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

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

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

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

9 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

10 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

11 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

**<u>(8) Other: review and methodology.</u>**

**<u>Title Review</u>**

As requested by the Client, a title review was included in AMC's scope of review. To facilitate this review, the Client provided AMC with identifying data on the population of mortgage loans. Data provided by the client, included mortgage loan and servicer identification numbers as well as subject property address, borrower names, origination date, original mortgage loan amount for the subject mortgage and title policies from origination as it relates to the subject mortgage. Using the data provided, AMC ordered a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, AMC identified whether the subject mortgage was of record, whether any deed vesting concerns of substance were present, and whether the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments such as Property Tax Liens, Municipal Liens, and Association Super Liens. AMC reviewed the title policies for all liens and/or judgments that were recorded before the recordation of the subject mortgage to determine if any identifiable liens and/or judgments were listed as an exception on schedule B of the applicable title policies.

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

**(9) Disclaimer.**

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

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

12 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

**SUMMARY OF FINDINGS AND CONCLUSIONS**

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

**OVERALL REVIEW RESULTS SUMMARY**

Of the four hundred eight (408) Loans reviewed under the applicable grading criteria, four hundred seven (407) Loans received an overall "A" or "B" grade and one (1) loan received an overall "C" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;290 | &nbsp;&nbsp;71.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;117 | &nbsp;&nbsp;28.68% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**408** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the one hundred fifty-five (155) Loans reviewed for compliance under the applicable grading criteria, one hundred fifty-four (154) Loans received an "A" or "B" compliance grade and one (1) loan received "C" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Compliance Loan Grades** | &nbsp;&nbsp; **Compliance Loan Grades** | &nbsp;&nbsp; **Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;113 | &nbsp;&nbsp;72.90% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;41 | &nbsp;&nbsp;26.45% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.65% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**155** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All four hundred eight (408) Loans (100%) reviewed under the applicable grading criteria, received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;319 | &nbsp;&nbsp;78.19% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;89 | &nbsp;&nbsp;21.81% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**408** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All four hundred eight (408) Loans (100%) reviewed under the applicable grading criteria, received an "A" or "B" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;407 | &nbsp;&nbsp;99.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% |
| &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;**408** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**DBRS Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***72*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**73** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;71 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;System | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***122*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**122** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**196** |

---

14 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Fitch Final<br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***73*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**74** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;71 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Reconciliation | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;System | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Business Purpose | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***122*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**122** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**197** |

---

15 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the four hundred eight (408) Loans reviewed, three hundred forty-nine (349) unique Loans had one thousand eighteen (1,018) different tape discrepancies across forty-one (41) data fields (some Loans had more than one data delta). The largest variances were found on Original HLTV, Borrower Last Name and Cash From Borrower, where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;8 | &nbsp;&nbsp;407 | &nbsp;&nbsp;1.97% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;15 | &nbsp;&nbsp;214 | &nbsp;&nbsp;7.01% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;378 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;32 | &nbsp;&nbsp;187 | &nbsp;&nbsp;17.11% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;7 | &nbsp;&nbsp;374 | &nbsp;&nbsp;1.87% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;6 | &nbsp;&nbsp;112 | &nbsp;&nbsp;5.36% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;122 | &nbsp;&nbsp;408 | &nbsp;&nbsp;29.90% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;112 | &nbsp;&nbsp;0.89% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;90 | &nbsp;&nbsp;155 | &nbsp;&nbsp;58.06% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;60 | &nbsp;&nbsp;73 | &nbsp;&nbsp;82.19% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;3 | &nbsp;&nbsp;408 | &nbsp;&nbsp;0.74% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;12 | &nbsp;&nbsp;78 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;11 | &nbsp;&nbsp;88 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;10 | &nbsp;&nbsp;70.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;4 | &nbsp;&nbsp;128 | &nbsp;&nbsp;3.13% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;48 | &nbsp;&nbsp;18.75% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;24 | &nbsp;&nbsp;298 | &nbsp;&nbsp;8.05% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Guarantor 1 First Name | &nbsp;&nbsp;7 | &nbsp;&nbsp;22 | &nbsp;&nbsp;31.82% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Guarantor 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Guarantor 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;1 | &nbsp;&nbsp;350 | &nbsp;&nbsp;0.29% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;31 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;39 | &nbsp;&nbsp;152 | &nbsp;&nbsp;25.66% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;404 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;65 | &nbsp;&nbsp;199 | &nbsp;&nbsp;32.66% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;64 | &nbsp;&nbsp;202 | &nbsp;&nbsp;31.68% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;20 | &nbsp;&nbsp;28 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;408 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;13 | &nbsp;&nbsp;375 | &nbsp;&nbsp;3.47% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;143 | &nbsp;&nbsp;151 | &nbsp;&nbsp;94.70% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;5 | &nbsp;&nbsp;408 | &nbsp;&nbsp;1.23% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;408 | &nbsp;&nbsp;0.74% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;16 | &nbsp;&nbsp;403 | &nbsp;&nbsp;3.97% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;82 | &nbsp;&nbsp;1.22% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Original PITIA | &nbsp;&nbsp;7 | &nbsp;&nbsp;23 | &nbsp;&nbsp;30.43% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;5 | &nbsp;&nbsp;374 | &nbsp;&nbsp;1.34% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;2 | &nbsp;&nbsp;23 | &nbsp;&nbsp;8.70% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;119 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Prepayment Terms | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;24 | &nbsp;&nbsp;151 | &nbsp;&nbsp;15.89% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;61 | &nbsp;&nbsp;377 | &nbsp;&nbsp;16.18% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;408 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;76 | &nbsp;&nbsp;3.95% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;29 | &nbsp;&nbsp;378 | &nbsp;&nbsp;7.67% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;408 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;32 | &nbsp;&nbsp;408 | &nbsp;&nbsp;7.84% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;46 | &nbsp;&nbsp;145 | &nbsp;&nbsp;31.72% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;6 | &nbsp;&nbsp;22 | &nbsp;&nbsp;27.27% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;13 | &nbsp;&nbsp;408 | &nbsp;&nbsp;3.19% | &nbsp;&nbsp;408 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1018** | &nbsp;&nbsp;**10626** | &nbsp;&nbsp;**9.58%** | &nbsp;&nbsp;**408** |

---

16 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

**SitusAMC TITLE REVIEW SUMMARY (16 Mortgage Loans)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on sixteen (16) Loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· There are no potential issues concerning origination deed vesting.

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

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

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

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

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

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

17 \| P a g e

![](tm264015d1_ex99-1img01.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;406 | &nbsp;&nbsp;99.51% | &nbsp;&nbsp;$177869061.00 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.49% | &nbsp;&nbsp;$2400000.00 | &nbsp;&nbsp;1.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**408** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180269061.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;405 | &nbsp;&nbsp;99.26% | &nbsp;&nbsp;$179759061.00 | &nbsp;&nbsp;99.72% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.74% | &nbsp;&nbsp;$510000.00 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**408** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180269061.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;143 | &nbsp;&nbsp;35.05% | &nbsp;&nbsp;$54421667.00 | &nbsp;&nbsp;30.19% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;34 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;$20230322.00 | &nbsp;&nbsp;11.22% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;195 | &nbsp;&nbsp;47.79% | &nbsp;&nbsp;$88205626.00 | &nbsp;&nbsp;48.93% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;36 | &nbsp;&nbsp;8.82% | &nbsp;&nbsp;$17411446.00 | &nbsp;&nbsp;9.66% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**408** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180269061.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% | &nbsp;&nbsp;$354800.00 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;406 | &nbsp;&nbsp;99.51% | &nbsp;&nbsp;$179389261.00 | &nbsp;&nbsp;99.51% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% | &nbsp;&nbsp;$525000.00 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**408** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180269061.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;215 | &nbsp;&nbsp;52.70% | &nbsp;&nbsp;$95690861.00 | &nbsp;&nbsp;53.08% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;30 | &nbsp;&nbsp;7.35% | &nbsp;&nbsp;$9522689.00 | &nbsp;&nbsp;5.28% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;14 | &nbsp;&nbsp;3.43% | &nbsp;&nbsp;$6198210.00 | &nbsp;&nbsp;3.44% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;101 | &nbsp;&nbsp;24.75% | &nbsp;&nbsp;$44394417.00 | &nbsp;&nbsp;24.63% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% | &nbsp;&nbsp;$179925.00 | &nbsp;&nbsp;0.10% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;11 | &nbsp;&nbsp;2.70% | &nbsp;&nbsp;$3404200.00 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;16 | &nbsp;&nbsp;3.92% | &nbsp;&nbsp;$6466910.00 | &nbsp;&nbsp;3.59% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.47% | &nbsp;&nbsp;$3824950.00 | &nbsp;&nbsp;2.12% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.21% | &nbsp;&nbsp;$6093849.00 | &nbsp;&nbsp;3.38% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.25% | &nbsp;&nbsp;$437500.00 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.49% | &nbsp;&nbsp;$1880000.00 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.49% | &nbsp;&nbsp;$2175550.00 | &nbsp;&nbsp;1.21% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**408** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180269061.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;122 | &nbsp;&nbsp;29.90% | &nbsp;&nbsp;$71714212.00 | &nbsp;&nbsp;39.78% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;278 | &nbsp;&nbsp;68.14% | &nbsp;&nbsp;$104711799.00 | &nbsp;&nbsp;58.09% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.96% | &nbsp;&nbsp;$3843050.00 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**408** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$180269061.00** | &nbsp;&nbsp;**100.00%** |

---

18 \| P a g e

## Exhibit 99.2

**EXHIBIT 99.2**

**AMC Data Compare REPORT**

![](tm264015d1_ex99-2img001.jpg)

**Data Compare**

**Run Date - 1/27/2026 4:27:06 PM**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| xxxxxx | 832943 | xxxxxx |  |  | Cash From Borrower | 0.00 | 55883.71 | Verified | Field value reflects source document |
| xxxxxx | 832943 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 42.616 | 24.73495 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 832943 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837041 | xxxxxx |  |  | Cash From Borrower | 0.00 | 592351.85 | Verified | Field value reflects source document |
| xxxxxx | 837041 | xxxxxx |  |  | Original HLTV | 0 | 55 | Verified | Field value reflects source document |
| xxxxxx | 837536 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837536 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837536 | xxxxxx |  |  | Cash To Borrower | 58500.00 | 124611.16 | Verified | Field value reflects source document |
| xxxxxx | 837536 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840272 | xxxxxx |  |  | Cash From Borrower | 0.00 | 82036.62 | Verified | Field value reflects source document |
| xxxxxx | 840272 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840780 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 840780 | xxxxxx |  |  | Representative FICO | 731 | 727 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840780 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840780 | xxxxxx |  |  | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 840780 | xxxxxx |  |  | Cash From Borrower | 0.00 | 202648.08 | Verified | Field value reflects source document |
| xxxxxx | 840780 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 36.4 | 22.4824 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840780 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841570 | xxxxxx |  |  | Cash To Borrower | 103153.00 | 118379.13 | Verified | Field value reflects source document |
| xxxxxx | 841570 | xxxxxx |  |  | Original HLTV | 0 | 31.26721 | Verified | Field value reflects source document |
| xxxxxx | 842394 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842394 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 842394 | xxxxxx |  |  | Cash From Borrower | 0.00 | 809614.18 | Verified | Field value reflects source document |
| xxxxxx | 842394 | xxxxxx |  |  | Original HLTV | 0 | 51.80328 | Verified | Field value reflects source document |
| xxxxxx | 842880 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 843846 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 843846 | xxxxxx |  |  | Cash To Borrower | 496687.50 | 170914.77 | Verified | Field value reflects source document |
| xxxxxx | 843846 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844355 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844355 | xxxxxx |  |  | Cash To Borrower | 468479.55 | 443145.02 | Verified | Field value reflects source document |
| xxxxxx | 844355 | xxxxxx |  |  | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 844367 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844367 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844367 | xxxxxx |  |  | Cash To Borrower | 382387.76 | 386694.46 | Verified | Field value reflects source document |
| xxxxxx | 844367 | xxxxxx |  |  | Original HLTV | 0 | 65.04065 | Verified | Field value reflects source document |
| xxxxxx | 844463 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844463 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.00 | Verified | Due to Rounding |
| xxxxxx | 844485 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844485 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844510 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844510 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844649 | xxxxxx |  |  | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844649 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844649 | xxxxxx |  |  | Cash From Borrower | 0.00 | 84947.65 | Verified | Field value reflects source document |
| xxxxxx | 844649 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 845208 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 845208 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 845208 | xxxxxx |  |  | Cash To Borrower | 1.00 | 148777.77 | Verified | Field value reflects source document |
| xxxxxx | 845208 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 845211 | xxxxxx |  |  | Cash To Borrower | 171039.84 | 170269.84 | Verified | Field value reflects source document |
| xxxxxx | 845211 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 43 | 51.32398 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845211 | xxxxxx |  |  | Original HLTV | 0 | 59.76096 | Verified | Field value reflects source document |
| xxxxxx | 845214 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 845214 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 845214 | xxxxxx |  |  | Cash To Borrower | 1.00 | 148622.77 | Verified | Field value reflects source document |
| xxxxxx | 845214 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 845216 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 845216 | xxxxxx |  |  | Cash To Borrower | 1.00 | 151053.62 | Verified | Field value reflects source document |
| xxxxxx | 845216 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 845217 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 845217 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 845217 | xxxxxx |  |  | Cash To Borrower | 1.00 | 148647.77 | Verified | Field value reflects source document |
| xxxxxx | 845217 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 845514 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 845514 | xxxxxx |  |  | Cash To Borrower | 39237.00 | 114948.05 | Verified | Field value reflects source document |
| xxxxxx | 845514 | xxxxxx |  |  | Original HLTV | 0 | 58.82353 | Verified | Field value reflects source document |
| xxxxxx | 845826 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 845826 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845826 | xxxxxx |  |  | Cash To Borrower | 141456.00 | 141653.88 | Verified | Field value reflects source document |
| xxxxxx | 845986 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845986 | xxxxxx |  |  | Cash To Borrower | 1.00 | 83578.27 | Verified | Field value reflects source document |
| xxxxxx | 845986 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846021 | xxxxxx |  |  | Cash To Borrower | 163000.00 | 162645.59 | Verified | Field value reflects source document |
| xxxxxx | 846021 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 33 | 35.42366 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846021 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846138 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846138 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846138 | xxxxxx |  |  | Cash From Borrower | 0.00 | 327524.67 | Verified | Field value reflects source document |
| xxxxxx | 846138 | xxxxxx |  |  | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 846160 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846160 | xxxxxx |  |  | Cash To Borrower | 160000.00 | 150605.73 | Verified | Field value reflects source document |
| xxxxxx | 846160 | xxxxxx |  |  | Original HLTV | 0 | 46.37681 | Verified | Field value reflects source document |
| xxxxxx | 846415 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846415 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846415 | xxxxxx |  |  | Cash To Borrower | 150000.00 | 129375.11 | Verified | Field value reflects source document |
| xxxxxx | 846415 | xxxxxx |  |  | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 846417 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846417 | xxxxxx |  |  | Cash To Borrower | 150000.00 | 133698.81 | Verified | Field value reflects source document |
| xxxxxx | 846417 | xxxxxx |  |  | Original HLTV | 0 | 64.65517 | Verified | Field value reflects source document |
| xxxxxx | 846429 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846429 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 846429 | xxxxxx |  |  | Representative FICO | 800 | 767 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846474 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846474 | xxxxxx |  |  | Cash From Borrower | 0.00 | 147403.93 | Verified | Field value reflects source document |
| xxxxxx | 846474 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846733 | xxxxxx |  |  | Cash From Borrower | 0.00 | 236879.22 | Verified | Field value reflects source document |
| xxxxxx | 846733 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846753 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846753 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846753 | xxxxxx |  |  | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 846753 | xxxxxx |  |  | Cash To Borrower | 0.00 | 3447.66 | Verified | Field value reflects source document |
| xxxxxx | 846753 | xxxxxx |  |  | Original HLTV | 0 | 16.30063 | Verified | Field value reflects source document |
| xxxxxx | 846814 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 846814 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846814 | xxxxxx |  |  | Cash From Borrower | 0.00 | 179072.33 | Verified | Field value reflects source document |
| xxxxxx | 846814 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846878 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846878 | xxxxxx |  |  | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 846878 | xxxxxx |  |  | Cash From Borrower | 0.00 | 95794.68 | Verified | Field value reflects source document |
| xxxxxx | 846878 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 50.06 | 57.29415 | Verified | Investor requested removal of income from qualifying and accepting higher DTI which is allowed per guidelines with residual income requirements. |
| xxxxxx | 846878 | xxxxxx |  |  | Original HLTV | 0 | 85.57785 | Verified | Field value reflects source document |
| xxxxxx | 846879 | xxxxxx |  |  | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846879 | xxxxxx |  |  | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 846879 | xxxxxx |  |  | Cash From Borrower | 0.00 | 103952.35 | Verified | Field value reflects source document |
| xxxxxx | 846879 | xxxxxx |  |  | Original HLTV | 0 | 48.64865 | Verified | Field value reflects source document |
| xxxxxx | 847125 | xxxxxx |  |  | Representative FICO | 680 | 0 | Verified | Borrower is foreign national |
| xxxxxx | 847125 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 847125 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 847125 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.77 | 1.62 | Verified | Field value reflects source document |
| xxxxxx | 847231 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847231 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.19 | 1.01 | Verified | Lender utilized $2,000 monthly rent; however, 1007 reflects $1,700. |
| xxxxxx | 847236 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.05 | Verified | Rounding Off |
| xxxxxx | 847360 | xxxxxx |  |  | Cash To Borrower | 355521.00 | 351986.10 | Verified | Field value reflects source document |
| xxxxxx | 847360 | xxxxxx |  |  | Original HLTV | 0 | 24.69498 | Verified | Field value reflects source document |
| xxxxxx | 847378 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847378 | xxxxxx |  |  | Property Type | Townhouse | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847383 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 847383 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.96 | 0.95 | Verified | Due to Rounding. |
| xxxxxx | 847396 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 847396 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 847396 | xxxxxx |  |  | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 847396 | xxxxxx |  |  | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 847458 | xxxxxx |  |  | Cash To Borrower | 125000.00 | 114331.50 | Verified | Field value reflects source document |
| xxxxxx | 847458 | xxxxxx |  |  | Original HLTV | 0 | 35.71429 | Verified | Field value reflects source document |
| xxxxxx | 847559 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847559 | xxxxxx |  |  | Cash From Borrower | 0.00 | 88325.80 | Verified | Field value reflects source document |
| xxxxxx | 847559 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847587 | xxxxxx |  |  | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 847587 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847587 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847587 | xxxxxx |  |  | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 847587 | xxxxxx |  |  | Original CLTV | 63.88112 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 847587 | xxxxxx |  |  | Original LTV | 63.88112 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 847587 | xxxxxx |  |  | Cash From Borrower | 0.00 | 91444.67 | Verified | Field value reflects source document |
| xxxxxx | 847587 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847696 | xxxxxx |  |  | Representative FICO | 769 | 757 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847696 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 847696 | xxxxxx |  |  | Cash From Borrower | 0.00 | 59676.36 | Verified | Field value reflects source document |
| xxxxxx | 847696 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847697 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847697 | xxxxxx |  |  | Cash To Borrower | 99703.00 | 99609.44 | Verified | Field value reflects source document |
| xxxxxx | 847697 | xxxxxx |  |  | Product Description | Closed End Seconds | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 847697 | xxxxxx |  |  | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 847697 | xxxxxx |  |  | Original HLTV | 0 | 25.59524 | Verified | Field value reflects source document |
| xxxxxx | 847719 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847719 | xxxxxx |  |  | Representative FICO | 715 | 712 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847719 | xxxxxx |  |  | Cash To Borrower | 125000.00 | 135981.12 | Verified | Field value reflects source document |
| xxxxxx | 847719 | xxxxxx |  |  | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 847817 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847919 | xxxxxx |  |  | Representative FICO | 728 | 727 | Verified | Unable to verify due to missing information |
| xxxxxx | 848041 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 848041 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848041 | xxxxxx |  |  | Cash From Borrower | 0.00 | 99506.21 | Verified | Field value reflects source document |
| xxxxxx | 848041 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848069 | xxxxxx |  |  | Original PITIA | 3137.59 | 3114.18 | Verified | Field value reflects source document |
| xxxxxx | 848070 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848072 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848074 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848076 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848076 | xxxxxx |  |  | Original Term | 120 | 360 | Verified | Field Value reflects the Note value |
| xxxxxx | 848076 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 848076 | xxxxxx |  |  | Original PITIA | 1919.44 | 1961.11 | Verified | Lender used lower annual HOA dues. |
| xxxxxx | 848076 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.07 | Verified | Lender used lower HOA amount than verified in file |
| xxxxxx | 848077 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848077 | xxxxxx |  |  | Origination Channel | Retail | Broker | Verified | Field Value reflects Retail (Lender Originated) |
| xxxxxx | 848077 | xxxxxx |  |  | Total Cash-out | 0.00 | 4733.35 | Verified | Field value reflects source document |
| xxxxxx | 848080 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848080 | xxxxxx |  |  | Original PITIA | 1597.32 | 1593.48 | Verified | Field value reflects source document |
| xxxxxx | 848081 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 848081 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848081 | xxxxxx |  |  | Original Term | 120 | 360 | Verified | Field Value reflects the Note value |
| xxxxxx | 848081 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 848081 | xxxxxx |  |  | Original P&I | 2747.19 | 2722.60 | Verified | Field Value reflects Note value |
| xxxxxx | 848081 | xxxxxx |  |  | Original PITIA | 3395.56 | 3396.65 | Verified | Field value reflects source document |
| xxxxxx | 848081 | xxxxxx |  |  | Guarantor 1 First Name | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 848082 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 848082 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848082 | xxxxxx |  |  | Original Term | 120 | 360 | Verified | Field Value reflects the Note value |
| xxxxxx | 848082 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 848082 | xxxxxx |  |  | Coborrower Qualifying FICO | 755 | 693 | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| xxxxxx | 848082 | xxxxxx |  |  | Original PITIA | 3464.26 | 3464.27 | Verified | Field value reflects source document |
| xxxxxx | 848083 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 848083 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848083 | xxxxxx |  |  | Original Term | 120 | 360 | Verified | Field Value reflects the Note value |
| xxxxxx | 848083 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 848083 | xxxxxx |  |  | Coborrower Qualifying FICO | 755 | 693 | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| xxxxxx | 848083 | xxxxxx |  |  | Guarantor 1 First Name | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 848085 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848085 | xxxxxx |  |  | Origination Channel | Retail | Broker | Verified | Broker fee on HUD |
| xxxxxx | 848087 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848089 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848089 | xxxxxx |  |  | Coborrower Qualifying FICO | 762 | 756 | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| xxxxxx | 848089 | xxxxxx |  |  | Total Cash-out | 1250.00 | 0.00 | Verified | Field value reflects source document |
| xxxxxx | 848089 | xxxxxx |  |  | Guarantor 1 First Name | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 848090 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848090 | xxxxxx |  |  | Coborrower Qualifying FICO | 762 | 756 | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| xxxxxx | 848090 | xxxxxx |  |  | Total Cash-out | 3000.00 | 0.00 | Verified | Field value reflects source document |
| xxxxxx | 848090 | xxxxxx |  |  | Guarantor 1 First Name | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 848091 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848091 | xxxxxx |  |  | Coborrower Qualifying FICO | 762 | 756 | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| xxxxxx | 848091 | xxxxxx |  |  | Total Cash-out | 2000.00 | 0.00 | Verified | Field value reflects source document |
| xxxxxx | 848091 | xxxxxx |  |  | Guarantor 1 First Name | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 848092 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848092 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848092 | xxxxxx |  |  | Coborrower Qualifying FICO | 762 | 756 | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| xxxxxx | 848092 | xxxxxx |  |  | Total Cash-out | 1627.00 | 0.00 | Verified | Field value reflects source document |
| xxxxxx | 848092 | xxxxxx |  |  | Guarantor 1 First Name | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 848094 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848094 | xxxxxx |  |  | Coborrower Qualifying FICO | 765 | 763 | Verified | Field Value reflects mid score of all 3 scores or lower of 2 scores |
| xxxxxx | 848094 | xxxxxx |  |  | Original PITIA | 2382.98 | 2245.48 | Verified | Field value reflects source document |
| xxxxxx | 848094 | xxxxxx |  |  | Guarantor 1 First Name | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 848094 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.84 | 0.89 | Verified | Market rent and lease match at $1,995 monthly. PITIA is $2,245.48 monthly. Calculated DSCR is 0.8885. |
| xxxxxx | 848096 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848096 | xxxxxx |  |  | Original PITIA | 2381.76 | 2244.26 | Verified | Field value reflects source document |
| xxxxxx | 848096 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.84 | 0.89 | Verified | Updated PITIA as per the document and Rental market amount updated correctly however DSCR is not matching. |
| xxxxxx | 848097 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848097 | xxxxxx |  |  | Original Term | 120 | 360 | Verified | Field Value reflects the Note value |
| xxxxxx | 848097 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 848097 | xxxxxx |  |  | Total Cash-out | 50750.00 | -35558.85 | Verified | Field value reflects source document |
| xxxxxx | 848098 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848098 | xxxxxx |  |  | # of Units | 2 | 1 | Verified | Field value reflects source document |
| xxxxxx | 848100 | xxxxxx |  |  | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 848117 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 848117 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848117 | xxxxxx |  |  | Cash From Borrower | 0.00 | 303238.03 | Verified | Field value reflects source document |
| xxxxxx | 848117 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848128 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 848128 | xxxxxx |  |  | Cash To Borrower | 71553.00 | 70051.22 | Verified | Field value reflects source document |
| xxxxxx | 848128 | xxxxxx |  |  | Product Description | Investor Solutions DSCR i | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 848128 | xxxxxx |  |  | Original HLTV | 0 | 59.05512 | Verified | Field value reflects source document |
| xxxxxx | 848186 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 848186 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848186 | xxxxxx |  |  | Cash To Borrower | 0.00 | 506.24 | Verified | Field value reflects source document |
| xxxxxx | 848186 | xxxxxx |  |  | Original CLTV | 33.84615 | 25 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 848186 | xxxxxx |  |  | Original LTV | 33.84615 | 25 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 848186 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 37.159 | 21.97498 | Verified | 1008 was approved with 21.976% |
| xxxxxx | 848186 | xxxxxx |  |  | Original HLTV | 0 | 25 | Verified | Field value reflects source document |
| xxxxxx | 848189 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848189 | xxxxxx |  |  | Cash To Borrower | 270000.00 | 275192.37 | Verified | Field value reflects source document |
| xxxxxx | 848189 | xxxxxx |  |  | Original HLTV | 0 | 69.5122 | Verified | Field value reflects source document |
| xxxxxx | 848230 | xxxxxx |  |  | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848230 | xxxxxx |  |  | Product Description | Foreign National c | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 848230 | xxxxxx |  |  | Cash From Borrower | 0.00 | 92812.90 | Verified | Field value reflects source document |
| xxxxxx | 848230 | xxxxxx |  |  | Original HLTV | 0 | 74.98731 | Verified | Field value reflects source document |
| xxxxxx | 848259 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 848259 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848259 | xxxxxx |  |  | Product Description | Foreign National c | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 848259 | xxxxxx |  |  | Cash From Borrower | 0.00 | 233552.02 | Verified | Field value reflects source document |
| xxxxxx | 848259 | xxxxxx |  |  | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 848269 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848269 | xxxxxx |  |  | Cash From Borrower | 0.00 | 174572.57 | Verified | Field value reflects source document |
| xxxxxx | 848269 | xxxxxx |  |  | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 848277 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848277 | xxxxxx |  |  | Cash To Borrower | 426506.00 | 426506.76 | Verified | Field value reflects source document |
| xxxxxx | 848277 | xxxxxx |  |  | Original HLTV | 0 | 63.38028 | Verified | Field value reflects source document |
| xxxxxx | 848302 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848302 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848302 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848302 | xxxxxx |  |  | Appraisal Effective Date | 2025-07-18 | 2025-07-31 | Verified | Tape Value reflects Appraisal Date |
| xxxxxx | 848302 | xxxxxx |  |  | Cash From Borrower | 0.00 | 113065.81 | Verified | Field value reflects source document |
| xxxxxx | 848302 | xxxxxx |  |  | Original HLTV | 0 | 69.99508 | Verified | Field value reflects source document |
| xxxxxx | 848327 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848327 | xxxxxx |  |  | Cash From Borrower | 26240.68 | 26481.83 | Verified | Field value reflects source document |
| xxxxxx | 848403 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848403 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848403 | xxxxxx |  |  | Cash To Borrower | 138000.00 | 138831.70 | Verified | Field value reflects source document |
| xxxxxx | 848403 | xxxxxx |  |  | Original CLTV | 62.5 | 50.16722 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 848403 | xxxxxx |  |  | Original LTV | 62.5 | 50.16722 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 848403 | xxxxxx |  |  | Original HLTV | 0 | 50.16722 | Verified | Field value reflects source document |
| xxxxxx | 848499 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848525 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848525 | xxxxxx |  |  | Cash From Borrower | 0.00 | 237753.06 | Verified | Field value reflects source document |
| xxxxxx | 848525 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848531 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848531 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 848531 | xxxxxx |  |  | Cash To Borrower | 168700.00 | 151806.79 | Verified | Field value reflects source document |
| xxxxxx | 848531 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 848588 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848588 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.94 | 0.93 | Verified | Rounding Factor. |
| xxxxxx | 848599 | xxxxxx |  |  | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 848599 | xxxxxx |  |  | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848599 | xxxxxx |  |  | Cash From Borrower | 0.00 | 175139.28 | Verified | Field value reflects source document |
| xxxxxx | 848599 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848616 | xxxxxx |  |  | Cash To Borrower | 0.00 | 378.11 | Verified | Field value reflects source document |
| xxxxxx | 848616 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 848651 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848651 | xxxxxx |  |  | Cash From Borrower | 0.00 | 244780.81 | Verified | Field value reflects source document |
| xxxxxx | 848651 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 848653 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 848653 | xxxxxx |  |  | Cash From Borrower | 0.00 | 583302.57 | Verified | Field value reflects source document |
| xxxxxx | 848653 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 848685 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 848685 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 848685 | xxxxxx |  |  | Cash From Borrower | 0.00 | 52788.04 | Verified | Field value reflects source document |
| xxxxxx | 848685 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848693 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848693 | xxxxxx |  |  | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 848693 | xxxxxx |  |  | Cash To Borrower | 118089.14 | 116987.81 | Verified | Field value reflects source document |
| xxxxxx | 848693 | xxxxxx |  |  | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 848826 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848826 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 848826 | xxxxxx |  |  | # of Units | 1 | 6 | Verified | Field value reflects source document |
| xxxxxx | 848826 | xxxxxx |  |  | Cash To Borrower | 50000.00 | 36105.92 | Verified | Field value reflects source document |
| xxxxxx | 848826 | xxxxxx |  |  | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 848932 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848932 | xxxxxx |  |  | Cash From Borrower | 0.00 | 236436.23 | Verified | Field value reflects source document |
| xxxxxx | 848932 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 45 | 52.59201 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848932 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848954 | xxxxxx |  |  | Cash From Borrower | 0.00 | 246236.16 | Verified | Field value reflects source document |
| xxxxxx | 848970 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848970 | xxxxxx |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848970 | xxxxxx |  |  | Cash From Borrower | 159069.48 | 165619.48 | Verified | Field value reflects source document |
| xxxxxx | 848992 | xxxxxx |  |  | Doc Type | Full | WVOE | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 848992 | xxxxxx |  |  | # of Units | 4 | 3 | Verified | Field value reflects source document |
| xxxxxx | 848992 | xxxxxx |  |  | Cash From Borrower | 0.00 | 169145.98 | Verified | Field value reflects source document |
| xxxxxx | 848992 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 52.31 | 44.67593 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848992 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849022 | xxxxxx |  |  | Representative FICO | 787 | 791 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849022 | xxxxxx |  |  | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 849022 | xxxxxx |  |  | Cash From Borrower | 0.00 | 164760.60 | Verified | Field value reflects source document |
| xxxxxx | 849022 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 849041 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849041 | xxxxxx |  |  | Representative FICO | 744 | 776 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849041 | xxxxxx |  |  | Cash From Borrower | 0.00 | 115587.36 | Verified | Field value reflects source document |
| xxxxxx | 849041 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 849044 | xxxxxx |  |  | Original Interest Rate | 6.875 | 6.75 | Verified | Field Value reflects the Note value |
| xxxxxx | 849044 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849044 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 849044 | xxxxxx |  |  | Cash From Borrower | 0.00 | 388259.58 | Verified | Field value reflects source document |
| xxxxxx | 849044 | xxxxxx |  |  | Original HLTV | 0 | 79.99985 | Verified | Field value reflects source document |
| xxxxxx | 849076 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849076 | xxxxxx |  |  | Cash From Borrower | 0.00 | 61712.13 | Verified | Field value reflects source document |
| xxxxxx | 849076 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 45.987 | 36.34681 | Verified | Lender used lower income than provided in the file. |
| xxxxxx | 849076 | xxxxxx |  |  | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 849137 | xxxxxx |  |  | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849137 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849137 | xxxxxx |  |  | Cash To Borrower | 195172.02 | 188177.37 | Verified | Field value reflects source document |
| xxxxxx | 849137 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849151 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849151 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 849151 | xxxxxx |  |  | Representative FICO | 767 | 779 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849151 | xxxxxx |  |  | Original CLTV | 70 | 62.21228 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 849151 | xxxxxx |  |  | Original LTV | 70 | 62.21228 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 849151 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 849157 | xxxxxx |  |  | Representative FICO | 751 | 750 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849157 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.65 | 1.64 | Verified | Due to rounding |
| xxxxxx | 849170 | xxxxxx |  |  | Representative FICO | 753 | 779 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849219 | xxxxxx |  |  | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 849219 | xxxxxx |  |  | Cash To Borrower | 184000.00 | 184979.58 | Verified | Field value reflects source document |
| xxxxxx | 849219 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849235 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 849235 | xxxxxx |  |  | Representative FICO | 797 | 802 | Verified | Highest wage earner |
| xxxxxx | 849235 | xxxxxx |  |  | Cash From Borrower | 0.00 | 183407.30 | Verified | Field value reflects source document |
| xxxxxx | 849235 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849246 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849246 | xxxxxx |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849246 | xxxxxx |  |  | Cash From Borrower | 0.00 | 334518.95 | Verified | Field value reflects source document |
| xxxxxx | 849246 | xxxxxx |  |  | Original HLTV | 0 | 39.42857 | Verified | Field value reflects source document |
| xxxxxx | 849260 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849260 | xxxxxx |  |  | Representative FICO | 715 | 737 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849260 | xxxxxx |  |  | Cash To Borrower | 10000.00 | 205616.77 | Verified | Field value reflects source document |
| xxxxxx | 849260 | xxxxxx |  |  | Product Description | Foreign National i | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 849260 | xxxxxx |  |  | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 849280 | xxxxxx |  |  | Cash To Borrower | 124308.00 | 122948.02 | Verified | Field value reflects source document |
| xxxxxx | 849280 | xxxxxx |  |  | Original HLTV | 0 | 74.94033 | Verified | Field value reflects source document |
| xxxxxx | 849294 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 849294 | xxxxxx |  |  | Cash To Borrower | 137172.00 | 114338.98 | Verified | Field value reflects source document |
| xxxxxx | 849294 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 849388 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 849388 | xxxxxx |  |  | Property Type | Condotel | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849388 | xxxxxx |  |  | Cash From Borrower | 0.00 | 177227.65 | Verified | Field value reflects source document |
| xxxxxx | 849388 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 30.73 | 24.31871 | Verified | 1008 approved with 24.538%. |
| xxxxxx | 849388 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 849560 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 849560 | xxxxxx |  |  | Cash To Borrower | 67000.00 | 39893.62 | Verified | Field value reflects source document |
| xxxxxx | 849648 | xxxxxx |  |  | Representative FICO | 704 | 734 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849648 | xxxxxx |  |  | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849648 | xxxxxx |  |  | Cash To Borrower | 125000.00 | 114280.43 | Verified | Field value reflects source document |
| xxxxxx | 849648 | xxxxxx |  |  | Original HLTV | 0 | 61.7284 | Verified | Field value reflects source document |
| xxxxxx | 849677 | xxxxxx |  |  | Representative FICO | 704 | 719 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849677 | xxxxxx |  |  | Cash To Borrower | 125000.00 | 114393.52 | Verified | Field value reflects source document |
| xxxxxx | 849677 | xxxxxx |  |  | Original HLTV | 0 | 63.93862 | Verified | Field value reflects source document |
| xxxxxx | 849699 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 849725 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 849725 | xxxxxx |  |  | Cash From Borrower | 0.00 | 126959.51 | Verified | Field value reflects source document |
| xxxxxx | 849725 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 849847 | xxxxxx |  |  | Representative FICO | 752 | 747 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 849847 | xxxxxx |  |  | Cash To Borrower | 12589.20 | 29310.88 | Verified | Field value reflects source document |
| xxxxxx | 849847 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 46.031 | 32.89154 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 849847 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849924 | xxxxxx |  |  | Cash To Borrower | 72000.00 | 55993.95 | Verified | Field value reflects source document |
| xxxxxx | 849924 | xxxxxx |  |  | Original HLTV | 0 | 64.60177 | Verified | Field value reflects source document |
| xxxxxx | 849932 | xxxxxx |  |  | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 849932 | xxxxxx |  |  | Cash From Borrower | 0.00 | 120752.16 | Verified | Field value reflects source document |
| xxxxxx | 849932 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 849982 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 849982 | xxxxxx |  |  | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 849982 | xxxxxx |  |  | Cash From Borrower | 0.00 | 60640.00 | Verified | Field value reflects source document |
| xxxxxx | 849982 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 42.924 | 37.23932 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 849982 | xxxxxx |  |  | Original HLTV | 0 | 84.9901 | Verified | Field value reflects source document |
| xxxxxx | 850023 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 850023 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850023 | xxxxxx |  |  | Cash From Borrower | 0.00 | 108577.36 | Verified | Field value reflects source document |
| xxxxxx | 850023 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850045 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850045 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850045 | xxxxxx |  |  | Cash To Borrower | 1.00 | 410420.79 | Verified | Field value reflects source document |
| xxxxxx | 850045 | xxxxxx |  |  | Product Description | Investor Solutions DSCR s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 850045 | xxxxxx |  |  | Original HLTV | 0 | 64.87813 | Verified | Field value reflects source document |
| xxxxxx | 850179 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850179 | xxxxxx |  |  | Cash To Borrower | 139452.00 | 138239.59 | Verified | Field value reflects source document |
| xxxxxx | 850179 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 850182 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 850182 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850182 | xxxxxx |  |  | # of Units | 1 | 4 | Verified | Field value reflects source document |
| xxxxxx | 850182 | xxxxxx |  |  | Cash From Borrower | 0.00 | 381440.25 | Verified | Field value reflects source document |
| xxxxxx | 850182 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 850193 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850193 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850193 | xxxxxx |  |  | Cash From Borrower | 0.00 | 161160.45 | Verified | Field value reflects source document |
| xxxxxx | 850193 | xxxxxx |  |  | Original HLTV | 0 | 59.94236 | Verified | Field value reflects source document |
| xxxxxx | 850240 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850240 | xxxxxx |  |  | Cash To Borrower | 174300.00 | 150304.33 | Verified | Field value reflects source document |
| xxxxxx | 850240 | xxxxxx |  |  | Product Description | Investor Solutions DSCR i | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 850240 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 850257 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850257 | xxxxxx |  |  | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 850257 | xxxxxx |  |  | Cash To Borrower | 330000.00 | 314272.59 | Verified | Field value reflects source document |
| xxxxxx | 850259 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Borrower is Business Entity |
| xxxxxx | 850289 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850289 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.28 | 1.33 | Verified | Round of value updated. |
| xxxxxx | 850290 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850290 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850293 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850306 | xxxxxx |  |  | Original Interest Rate | 7.124 | 6.874 | Verified | Field Value reflects the Note value |
| xxxxxx | 850306 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 850308 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.12 | 1.31 | Verified | Market rent $2,375 is used at 100%. P&I $1594.92 + Tax $xxxxxx + HOI $91.60 + HOA $63 = $1812.80 DSCR is 1.31 |
| xxxxxx | 850314 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850322 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 850322 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850322 | xxxxxx |  |  | Property Type | Condotel | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850322 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850322 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850324 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850324 | xxxxxx |  |  | Original CLTV | 65 | 56.26866 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 850324 | xxxxxx |  |  | Original LTV | 65 | 56.26866 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 850324 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850324 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850324 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.51 | 1.89 | Verified | Field value reflects source document |
| xxxxxx | 850327 | xxxxxx |  |  | Representative FICO | 734 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| xxxxxx | 850327 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850327 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 42.141 | 53.25021 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 850328 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 850340 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850340 | xxxxxx |  |  | Cash From Borrower | 0.00 | 104506.89 | Verified | Field value reflects source document |
| xxxxxx | 850340 | xxxxxx |  |  | Original HLTV | 0 | 63.82979 | Verified | Field value reflects source document |
| xxxxxx | 850421 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850421 | xxxxxx |  |  | Cash From Borrower | 0.00 | 51157.52 | Verified | Field value reflects source document |
| xxxxxx | 850421 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850438 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 850438 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 850438 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850438 | xxxxxx |  |  | Original Interest Rate | 7.999 | 7.99 | Verified | Field Value reflects the Note value |
| xxxxxx | 850438 | xxxxxx |  |  | Cash From Borrower | 0.00 | 110311.03 | Verified | Field value reflects source document |
| xxxxxx | 850438 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850480 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850480 | xxxxxx |  |  | Cash From Borrower | 0.00 | 199032.79 | Verified | Field value reflects source document |
| xxxxxx | 850480 | xxxxxx |  |  | Original HLTV | 0 | 64.42831 | Verified | Field value reflects source document |
| xxxxxx | 850500 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850500 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850500 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850500 | xxxxxx |  |  | Cash From Borrower | 0.00 | 85957.28 | Verified | Field value reflects source document |
| xxxxxx | 850500 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850523 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850523 | xxxxxx |  |  | Cash To Borrower | 56111.54 | 55475.37 | Verified | Field value reflects source document |
| xxxxxx | 850548 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850548 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 850548 | xxxxxx |  |  | Cash To Borrower | 227110.00 | 225178.39 | Verified | Field value reflects source document |
| xxxxxx | 850548 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 20.8 | 24.88922 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 850548 | xxxxxx |  |  | Original HLTV | 0 | 74.98985 | Verified | Field value reflects source document |
| xxxxxx | 850549 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850549 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 850549 | xxxxxx |  |  | Cash To Borrower | 55173.00 | 54398.52 | Verified | Field value reflects source document |
| xxxxxx | 850549 | xxxxxx |  |  | Original HLTV | 0 | 74.98992 | Verified | Field value reflects source document |
| xxxxxx | 850561 | xxxxxx |  |  | Cash To Borrower | 251250.00 | 236664.06 | Verified | Field value reflects source document |
| xxxxxx | 850561 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850575 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850575 | xxxxxx |  |  | Cash To Borrower | 1.00 | 315740.53 | Verified | Field value reflects source document |
| xxxxxx | 850575 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850603 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850603 | xxxxxx |  |  | Cash From Borrower | 0.00 | 377702.29 | Verified | Field value reflects source document |
| xxxxxx | 850603 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850653 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850653 | xxxxxx |  |  | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850653 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850653 | xxxxxx |  |  | Cash From Borrower | 0.00 | 155703.22 | Verified | Field value reflects source document |
| xxxxxx | 850653 | xxxxxx |  |  | Original HLTV | 0 | 64.86486 | Verified | Field value reflects source document |
| xxxxxx | 850693 | xxxxxx |  |  | Cash From Borrower | 0.00 | 113324.49 | Verified | Field value reflects source document |
| xxxxxx | 850693 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 850755 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 850755 | xxxxxx |  |  | Cash From Borrower | 0.00 | 55158.83 | Verified | Field value reflects source document |
| xxxxxx | 850755 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 26.727 | 24.34847 | Verified | 1008 approved with 24.885%. |
| xxxxxx | 850755 | xxxxxx |  |  | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 850762 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850762 | xxxxxx |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850764 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850774 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 850774 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850774 | xxxxxx |  |  | Representative FICO | 718 | 754 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 850774 | xxxxxx |  |  | Cash To Borrower | 0.00 | 1025.61 | Verified | Field value reflects source document |
| xxxxxx | 850774 | xxxxxx |  |  | Original HLTV | 0 | 50.93946 | Verified | Field value reflects source document |
| xxxxxx | 850775 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850775 | xxxxxx |  |  | Representative FICO | 718 | 754 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 850775 | xxxxxx |  |  | Cash To Borrower | 0.00 | 3861.34 | Verified | Field value reflects source document |
| xxxxxx | 850775 | xxxxxx |  |  | Original HLTV | 0 | 37.82609 | Verified | Field value reflects source document |
| xxxxxx | 850791 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850791 | xxxxxx |  |  | # of Units | 5 | 6 | Verified | Field value reflects source document |
| xxxxxx | 850791 | xxxxxx |  |  | Cash From Borrower | 0.00 | 212210.29 | Verified | Field value reflects source document |
| xxxxxx | 850791 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 850850 | xxxxxx |  |  | Product Description | Investor Solutions DSCR s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 850850 | xxxxxx |  |  | Cash From Borrower | 0.00 | 110701.94 | Verified | Field value reflects source document |
| xxxxxx | 850850 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 850889 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850889 | xxxxxx |  |  | Representative FICO | 795 | 770 | Verified | Highest of the middle FICO amongst all guarantors. |
| xxxxxx | 850925 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850925 | xxxxxx |  |  | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 850925 | xxxxxx |  |  | Cash From Borrower | 0.00 | 86672.96 | Verified | Field value reflects source document |
| xxxxxx | 850925 | xxxxxx |  |  | Original HLTV | 0 | 79.83298 | Verified | Field value reflects source document |
| xxxxxx | 850988 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850988 | xxxxxx |  |  | Representative FICO | 696 | 739 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 850988 | xxxxxx |  |  | Property Type | Single Family | PUD | Verified | Field Value reflects the Approval/AUS in file. |
| xxxxxx | 850988 | xxxxxx |  |  | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 850988 | xxxxxx |  |  | Cash From Borrower | 91398.12 | 91848.12 | Verified | Field value reflects source document |
| xxxxxx | 851009 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 851009 | xxxxxx |  |  | Cash To Borrower | 82977.00 | 79691.17 | Verified | Field value reflects source document |
| xxxxxx | 851009 | xxxxxx |  |  | Original CLTV | 70.83468 | 69.37654 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 851009 | xxxxxx |  |  | Original HLTV | 0 | 27.07581 | Verified | Field value reflects source document |
| xxxxxx | 851037 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851038 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851038 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 851038 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851040 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851040 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851040 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.16 | Verified | Monthly rent $1,650 / PITIA $1,413.74 = 1.16 DSCR |
| xxxxxx | 851041 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 851043 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851043 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851043 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.15 | 1.14 | Verified | Field value reflects source document |
| xxxxxx | 851045 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851045 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851045 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851046 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851046 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851050 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851051 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851051 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851051 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.13 | Verified | Tax amount mismatch with DSCR worksheet |
| xxxxxx | 851054 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 851054 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851054 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851054 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851054 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.07 | 1.06 | Verified | Due to rounding off |
| xxxxxx | 851055 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851055 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851055 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851055 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.75 | 1.03 | Verified | DSCR Used market rent $4,400/PITIA of $4,216.80=1.04 |
| xxxxxx | 851056 | xxxxxx |  |  | Original CLTV | 70 | 68.6 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 851056 | xxxxxx |  |  | Original LTV | 70 | 68.6 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 851056 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851056 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851056 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.96 | 0.95 | Verified | Due to Rounded Value |
| xxxxxx | 851057 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851057 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.97 | 0.98 | Verified | Tax amount mismatch with DSCR worksheet |
| xxxxxx | 851058 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851108 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851108 | xxxxxx |  |  | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851108 | xxxxxx |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 851108 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 37.986 | 43.90705 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 851306 | xxxxxx |  |  | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851306 | xxxxxx |  |  | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 851306 | xxxxxx |  |  | # of Units | 1 | 2 | Verified | Field value reflects source document |
| xxxxxx | 851306 | xxxxxx |  |  | Cash From Borrower | 0.00 | 4409.27 | Verified | Field value reflects source document |
| xxxxxx | 851306 | xxxxxx |  |  | Original HLTV | 0 | 69.64497 | Verified | Field value reflects source document |
| xxxxxx | 851406 | xxxxxx |  |  | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 851406 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851445 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 851445 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851445 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 851445 | xxxxxx |  |  | Cash To Borrower | 199429.33 | 199659.33 | Verified | Field value reflects source document |
| xxxxxx | 851445 | xxxxxx |  |  | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 851526 | xxxxxx |  |  | Cash From Borrower | 0.00 | 74257.71 | Verified | Field value reflects source document |
| xxxxxx | 851526 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 851534 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851534 | xxxxxx |  |  | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 851534 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 851534 | xxxxxx |  |  | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 851534 | xxxxxx |  |  | Cash From Borrower | 0.00 | 51071.41 | Verified | Field value reflects source document |
| xxxxxx | 851534 | xxxxxx |  |  | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 851578 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851578 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 851578 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.17 | 1.28 | Verified | Monthly rent $3,300 / PITIA $2,571.26 = 1.28 DSCR |
| xxxxxx | 851579 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851579 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 851579 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851580 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 851580 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851581 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851581 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851581 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.71 | 0.60 | Verified | Field value reflects source document |
| xxxxxx | 851582 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851582 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851583 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851583 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851584 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851584 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851584 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851587 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851587 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 44.955 | 48.70112 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 851589 | xxxxxx |  |  | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851589 | xxxxxx |  |  | Representative FICO | 680 |  |  |  |
| xxxxxx | 851590 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851590 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.85 | Verified | DSCR=$11,076/$5,959.03=1.85 |
| xxxxxx | 851591 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851591 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.02 | Verified | Monthly rent $5,200 / PITIA $5,054.09 = 1.02 DSCR |
| xxxxxx | 851592 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851592 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 33.571 | 38.75168 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 851595 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 40.416 | 51.21494 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 851597 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 851597 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.75 | 0.83 | Verified | Field value reflects source document |
| xxxxxx | 851640 | xxxxxx |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851640 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 851640 | xxxxxx |  |  | Cash From Borrower | 0.00 | 67700.90 | Verified | Field value reflects source document |
| xxxxxx | 851640 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 3.864 | 11.08354 | Verified | 1008 approved with 11.535%. |
| xxxxxx | 851640 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 851642 | xxxxxx |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851642 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 851642 | xxxxxx |  |  | Cash From Borrower | 0.00 | 71653.75 | Verified | Field value reflects source document |
| xxxxxx | 851642 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 5.765 | 11.45282 | Verified | 1008 Approved with 11.520%. |
| xxxxxx | 851642 | xxxxxx |  |  | Original HLTV | 0 | 74.9998 | Verified | Field value reflects source document |
| xxxxxx | 851697 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851728 | xxxxxx |  |  | Cash From Borrower | 0.00 | 105957.91 | Verified | Field value reflects source document |
| xxxxxx | 851728 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 851768 | xxxxxx |  |  | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851768 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851768 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851768 | xxxxxx |  |  | Cash From Borrower | 0.00 | 91321.89 | Verified | Field value reflects source document |
| xxxxxx | 851768 | xxxxxx |  |  | Original HLTV | 0 | 69.9999 | Verified | Field value reflects source document |
| xxxxxx | 851789 | xxxxxx |  |  | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 851789 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 851789 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 851789 | xxxxxx |  |  | Cash From Borrower | 0.00 | 269421.10 | Verified | Field value reflects source document |
| xxxxxx | 851789 | xxxxxx |  |  | Original HLTV | 0 | 64.98611 | Verified | Field value reflects source document |
| xxxxxx | 851793 | xxxxxx |  |  | Cash From Borrower | 0.00 | 64402.47 | Verified | Field value reflects source document |
| xxxxxx | 851793 | xxxxxx |  |  | Original HLTV | 0 | 74.97908 | Verified | Field value reflects source document |
| xxxxxx | 851834 | xxxxxx |  |  | Cash From Borrower | 0.00 | 210600.14 | Verified | Field value reflects source document |
| xxxxxx | 851834 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 851836 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851836 | xxxxxx |  |  | Cash From Borrower | 0.00 | 300216.44 | Verified | Field value reflects source document |
| xxxxxx | 851836 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 851877 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 851890 | xxxxxx |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 851890 | xxxxxx |  |  | Cash From Borrower | 0.00 | 313238.25 | Verified | Field value reflects source document |
| xxxxxx | 851890 | xxxxxx |  |  | Original HLTV | 0 | 26.02941 | Verified | Field value reflects source document |
| xxxxxx | 851919 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 851919 | xxxxxx |  |  | Cash From Borrower | 0.00 | 533410.11 | Verified | Field value reflects source document |
| xxxxxx | 851919 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 851985 | xxxxxx |  |  | Cash From Borrower | 0.00 | 203178.05 | Verified | Field value reflects source document |
| xxxxxx | 851985 | xxxxxx |  |  | Original HLTV | 0 | 74.99997 | Verified | Field value reflects source document |
| xxxxxx | 852147 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 852147 | xxxxxx |  |  | Cash To Borrower | 428406.17 | 399085.96 | Verified | Field value reflects source document |
| xxxxxx | 852147 | xxxxxx |  |  | Original HLTV | 0 | 60.94177 | Verified | Field value reflects source document |
| xxxxxx | 852153 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.04 | 1.02 | Verified | Field value reflects source document |
| xxxxxx | 852154 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852155 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 852156 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852156 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.77 | 0.76 | Verified | Field value reflects source document |
| xxxxxx | 852157 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852157 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852157 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 852160 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852165 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852167 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 852167 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 852167 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852167 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.17 | 1.22 | Verified | Purchase. Lease in file is from 2019 and is not in the borrower's name. Monthly rent $3,300 / PITIA $2,693.06 = 1.22 DSCR |
| xxxxxx | 852168 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852170 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852171 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852171 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.79 | 0.93 | Verified | Lease rent $2,600, Market rent$3,000<br> PITIA: P & I $2,232.04, Taxes $xxxxxx<br> Hazard $161.33= $2,792.58<br> Used lessor of $2,600/2,792.58=0.93. |
| xxxxxx | 852173 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852173 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.18 | 1.22 | Verified | DSCR=$6,966.67/$5,735.63=1.21 |
| xxxxxx | 852175 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852177 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 852178 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 852180 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852180 | xxxxxx |  |  | Cash To Borrower | 76635.00 | 78593.01 | Verified | Field value reflects source document |
| xxxxxx | 852180 | xxxxxx |  |  | Product Description | Investor Solutions DSCR s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 852180 | xxxxxx |  |  | Original HLTV | 0 | 68.25397 | Verified | Field value reflects source document |
| xxxxxx | 852199 | xxxxxx |  |  | Cash To Borrower | 242042.00 | 242070.35 | Verified | Field value reflects source document |
| xxxxxx | 852199 | xxxxxx |  |  | Product Description | Investor Solutions DSCR i | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 852199 | xxxxxx |  |  | Original HLTV | 0 | 64.10256 | Verified | Field value reflects source document |
| xxxxxx | 852398 | xxxxxx |  |  | Cash From Borrower | 0.00 | 156203.73 | Verified | Field value reflects source document |
| xxxxxx | 852398 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 852407 | xxxxxx |  |  | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 852407 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852407 | xxxxxx |  |  | Original CLTV | 71.91011 | 74.1573 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 852407 | xxxxxx |  |  | Original LTV | 71.91011 | 74.1573 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 852407 | xxxxxx |  |  | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 852407 | xxxxxx |  |  | Cash From Borrower | 0.00 | 6260.88 | Verified | Field value reflects source document |
| xxxxxx | 852407 | xxxxxx |  |  | Original HLTV | 0 | 74.1573 | Verified | Field value reflects source document |
| xxxxxx | 852410 | xxxxxx |  |  | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852410 | xxxxxx |  |  | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852410 | xxxxxx |  |  | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 852410 | xxxxxx |  |  | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 852410 | xxxxxx |  |  | Cash From Borrower | 0.00 | 110543.48 | Verified | Field value reflects source document |
| xxxxxx | 852410 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 852424 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852424 | xxxxxx |  |  | Doc Type | Full | WVOE | Verified | Not a true discrepancy. |
| xxxxxx | 852424 | xxxxxx |  |  | Cash From Borrower | 0.00 | 104383.29 | Verified | Field value reflects source document |
| xxxxxx | 852424 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 9.73 | 12.2139 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 852424 | xxxxxx |  |  | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 852448 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852448 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852448 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 852448 | xxxxxx |  |  | Interest Rate Life Floor | 2.75 | 3.625 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 852448 | xxxxxx |  |  | Cash From Borrower | 0.00 | 596103.12 | Verified | Field value reflects source document |
| xxxxxx | 852448 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 41.855 | 45.73413 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 852448 | xxxxxx |  |  | Original HLTV | 0 | 64.51613 | Verified | Field value reflects source document |
| xxxxxx | 852473 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 852473 | xxxxxx |  |  | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 852473 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 852473 | xxxxxx |  |  | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 852473 | xxxxxx |  |  | Cash From Borrower | 0.00 | 103840.56 | Verified | Field value reflects source document |
| xxxxxx | 852473 | xxxxxx |  |  | Original HLTV | 0 | 79.99996 | Verified | Field value reflects source document |
| xxxxxx | 852476 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 852476 | xxxxxx |  |  | Original CLTV | 66.54762 | 62.80899 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 852476 | xxxxxx |  |  | Original LTV | 66.54762 | 62.80899 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 852476 | xxxxxx |  |  | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 852476 | xxxxxx |  |  | Cash From Borrower | 0.00 | 16412.61 | Verified | Field value reflects source document |
| xxxxxx | 852476 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 29.65 | 35.15042 | Verified | 1008 approved with 34.95%. |
| xxxxxx | 852476 | xxxxxx |  |  | Original HLTV | 0 | 62.80899 | Verified | Field value reflects source document |
| xxxxxx | 852542 | xxxxxx |  |  | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 852542 | xxxxxx |  |  | Representative FICO | 784 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| xxxxxx | 852542 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852542 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 852542 | xxxxxx |  |  | Cash To Borrower | 76922.00 | 115310.01 | Verified | Field value reflects source document |
| xxxxxx | 852542 | xxxxxx |  |  | Original CLTV | 69.92889 | 66.77315 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 852542 | xxxxxx |  |  | Product Description | Closed End Seconds | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 852542 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 46.83 | 49.85683 | Verified | 1008 approved at 49.94%. |
| xxxxxx | 852542 | xxxxxx |  |  | Original HLTV | 0 | 15.02591 | Verified | Field value reflects source document |
| xxxxxx | 852601 | xxxxxx |  |  | Property Type | Single Family Attached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852601 | xxxxxx |  |  | # of Units | 1 | 4 | Verified | Field value reflects source document |
| xxxxxx | 852601 | xxxxxx |  |  | Cash From Borrower | 0.00 | 490442.02 | Verified | Field value reflects source document |
| xxxxxx | 852601 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 41.2 | 44.67228 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 852601 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 852704 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852704 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852705 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 852705 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 852705 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852706 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 852706 | xxxxxx |  |  | Property Type | Townhouse | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852706 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852706 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.86 | 0.90 | Verified | HOA is included in DSCR calculation. |
| xxxxxx | 852707 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852707 | xxxxxx |  |  | Original CLTV | 75 | 65.26167 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 852707 | xxxxxx |  |  | Original LTV | 75 | 65.26167 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 852707 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852711 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852712 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852712 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 852712 | xxxxxx |  |  | Representative FICO | 724 | 748 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| xxxxxx | 852713 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852713 | xxxxxx |  |  | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852713 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.60 | 1.43 | Verified | Updated PITIA as per the document and Rental market amount updated correctly however DSCR is not matching. |
| xxxxxx | 852714 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852714 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852715 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 31.826 | 43.11766 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 852715 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852716 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852716 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 852717 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852717 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.05 | Verified | DSCR = Monthly Income/ PITIA 1.05 = 2100/1988.33 |
| xxxxxx | 852719 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852719 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 852719 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852719 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852720 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852721 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852721 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852721 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852722 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852722 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852723 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852723 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 13.156 | 15.69267 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| xxxxxx | 852724 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852724 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 852724 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 852724 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 852724 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852724 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852725 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852727 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 852727 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852730 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852731 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852731 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 852731 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.86 | 0.85 | Verified | DSCR mismatch Due to round-off value. |
| xxxxxx | 852733 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852734 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852735 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 852735 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 852737 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 852737 | xxxxxx |  |  | Original Interest Rate | 7.374 | 7.375 | Verified | Field Value reflects the Note value |
| xxxxxx | 852737 | xxxxxx |  |  | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 852786 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 852786 | xxxxxx |  |  | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 852786 | xxxxxx |  |  | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 852786 | xxxxxx |  |  | Cash From Borrower | 0.00 | 57796.69 | Verified | Field value reflects source document |
| xxxxxx | 852786 | xxxxxx |  |  | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 852875 | xxxxxx |  |  | Representative FICO | 700 | 697 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 852875 | xxxxxx |  |  | Doc Type | Full | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| xxxxxx | 852875 | xxxxxx |  |  | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 852875 | xxxxxx |  |  | Cash From Borrower | 0.00 | 154376.88 | Verified | Field value reflects source document |
| xxxxxx | 852875 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 49.984 | 35.67435 | Verified | 1008 approved with 31.523%. |
| xxxxxx | 852875 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 853094 | xxxxxx |  |  | Original Interest Rate | 7.125 | 7.375 | Verified | Field Value reflects the Note value |
| xxxxxx | 853094 | xxxxxx |  |  | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 853094 | xxxxxx |  |  | Cash From Borrower | 0.00 | 46708.36 | Verified | Field value reflects source document |
| xxxxxx | 853094 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 44.51 | 48.01491 | Verified | 1008 approved at 48.01%. |
| xxxxxx | 853094 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 853329 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 853329 | xxxxxx |  |  | Cash From Borrower | 0.00 | 17274.00 | Verified | Field value reflects source document |
| xxxxxx | 853329 | xxxxxx |  |  | Original HLTV | 0 | 94.99984 | Verified | Field value reflects source document |
| xxxxxx | 853438 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 853438 | xxxxxx |  |  | Cash From Borrower | 0.00 | 225862.76 | Verified | Field value reflects source document |
| xxxxxx | 853438 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 42.16 | 44.20248 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 853438 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 853720 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 853720 | xxxxxx |  |  | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 853720 | xxxxxx |  |  | Cash From Borrower | 0.00 | 14424.92 | Verified | Field value reflects source document |
| xxxxxx | 853720 | xxxxxx |  |  | Original HLTV | 0 | 72.17391 | Verified | Field value reflects source document |
| xxxxxx | 853725 | xxxxxx |  |  | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 853725 | xxxxxx |  |  | Cash To Borrower | 81573.00 | 70583.06 | Verified | Field value reflects source document |
| xxxxxx | 853725 | xxxxxx |  |  | Original HLTV | 0 | 66.66667 | Verified | Field value reflects source document |
| xxxxxx | 853726 | xxxxxx |  |  | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 853726 | xxxxxx |  |  | Cash From Borrower | 0.00 | 265828.77 | Verified | Field value reflects source document |
| xxxxxx | 853726 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 853730 | xxxxxx |  |  | Representative FICO | 689 | 685 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 853731 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853731 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 853731 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 853731 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853731 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853731 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.79 | 1.78 | Verified | Discrepancy due to round off. |
| xxxxxx | 853732 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853735 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 853735 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853735 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853735 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853735 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.01 | Verified | Field value reflects source document |
| xxxxxx | 853736 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 853736 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Unable to verify due to missing information |
| xxxxxx | 853736 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853736 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.09 | 1.15 | Verified | Field value reflects source document |
| xxxxxx | 853737 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 853739 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853742 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853742 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853745 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853746 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853746 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 853746 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 853748 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 853748 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 853748 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853749 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853749 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853749 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.56 | 1.55 | Verified | rounding |
| xxxxxx | 853751 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853751 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853752 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 853752 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853753 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853753 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853754 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 853994 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 853994 | xxxxxx |  |  | Cash From Borrower | 0.00 | 201217.91 | Verified | Field value reflects source document |
| xxxxxx | 853994 | xxxxxx |  |  | Original HLTV | 0 | 79.99991 | Verified | Field value reflects source document |
| xxxxxx | 854168 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 854168 | xxxxxx |  |  | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 854168 | xxxxxx |  |  | Cash From Borrower | 0.00 | 100480.25 | Verified | Field value reflects source document |
| xxxxxx | 854168 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 854170 | xxxxxx |  |  | Cash To Borrower | 0.00 | 36.44 | Verified | Field value reflects source document |
| xxxxxx | 854170 | xxxxxx |  |  | Original HLTV | 0 | 69.39655 | Verified | Field value reflects source document |
| xxxxxx | 854173 | xxxxxx |  |  | Product Description | Verus Prime Ascent s | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 854173 | xxxxxx |  |  | Cash From Borrower | 0.00 | 128015.07 | Verified | Field value reflects source document |
| xxxxxx | 854173 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 854174 | xxxxxx |  |  | Product Description | Verus Prime Ascent s | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 854174 | xxxxxx |  |  | Cash From Borrower | 0.00 | 410152.83 | Verified | Field value reflects source document |
| xxxxxx | 854174 | xxxxxx |  |  | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 854396 | xxxxxx |  |  | Original LTV | 78.49 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 854397 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854399 | xxxxxx |  |  | # of Units | 4 | 3 | Verified | The most recent appraisal listed 4 units in the Improvement section, however disclosed 3 units in the General Descriptoin section |
| xxxxxx | 854402 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854403 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854415 | xxxxxx |  |  | Representative FICO | 657 | 677 | Verified | Higher of 2 scores provided per guidelines. |
| xxxxxx | 854418 | xxxxxx |  |  | Original LTV | 77.5 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 854423 | xxxxxx |  |  | Original LTV | 73.23 | 74.29907 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 854427 | xxxxxx |  |  | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854429 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854429 | xxxxxx |  |  | Original LTV | 78.21 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 854431 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854676 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 854678 | xxxxxx |  |  | Original CLTV | 56.768 | 52.17647 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 854678 | xxxxxx |  |  | Original LTV | 56.768 | 52.17647 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 854679 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 37.279 | 32.56276 | Verified | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| xxxxxx | 854679 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854680 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854680 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854680 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.16 | Verified | Property rent as per lease of $3,000.00 & Monthly PITIA of $3,087.79 DSCR=Rent/PITIA 1.16 |
| xxxxxx | 854682 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854683 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854683 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854683 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854685 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854685 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854687 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854688 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854690 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854690 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.10 | Verified | Due to Rounding |
| xxxxxx | 854692 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854698 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854698 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 43.402 | 46.23716 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 854698 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854699 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 854699 | xxxxxx |  |  | Representative FICO | 797 | 779 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 854699 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854699 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.43 | 1.25 | Verified | Field value reflects source document |
| xxxxxx | 854701 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 854702 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854702 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854704 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854704 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 27.521 | 21.16043 | Verified | Lower |
| xxxxxx | 854706 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854706 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854708 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854708 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.13 | Verified | The lender used $1733.03 for DSCR qualification, while the system referenced $1550 from the comparable rent schedule. |
| xxxxxx | 854714 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.04 | Verified | Field value reflects source document |
| xxxxxx | 854717 | xxxxxx |  |  | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854717 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 854717 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 854717 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 854717 | xxxxxx |  |  | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 854720 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 854721 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 854721 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 854726 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 854726 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 39.834 | 29.51673 | Verified | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |
| xxxxxx | 854726 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855200 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 38.375 | 44.94327 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 855202 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 855202 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855204 | xxxxxx |  |  | Original CLTV | 78.543 | 77.51634 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 855204 | xxxxxx |  |  | Original LTV | 78.543 | 77.51634 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 855204 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855205 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 855205 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855206 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855206 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855207 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 855207 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 855207 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 855207 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855207 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.25 | 1.27 | Verified | DSCR calculated as Total Rent $3600 by Total expenses $2828.46 |
| xxxxxx | 855208 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855209 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855211 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 855211 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.11 | Verified | Field value reflects source document |
| xxxxxx | 855213 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 855213 | xxxxxx |  |  | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 855213 | xxxxxx |  |  | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 855213 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.09 | 1.08 | Verified | Field value reflects source document |
| xxxxxx | 855687 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 855687 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855698 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 855698 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 53.803 | 42.9783 | Verified | Verified with income docs in file. |
| xxxxxx | 855698 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855703 | xxxxxx |  |  | Representative FICO | 707 | 698 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 855703 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855703 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855705 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855705 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855712 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855713 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855713 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 855716 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 855716 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 856490 | xxxxxx |  |  | Original LTV | 78.16 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 857092 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857092 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857092 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 857104 | xxxxxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 857105 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Borrower is Business Entity. |
| xxxxxx | 857105 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 25.416 | 34.97636 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 857107 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857107 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 25.172 | 33.36949 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 857109 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |

---

## Exhibit 99.3

**EXHIBIT 99.3**

**AMC Exception Grades**

![](tm264015d1_ex99-3img01.jpg)

**Exception Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** | **Scope** |
| xxxxxx | 832943 | xxxxxx | 33057508 | xxxxxx | 03/20/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.53591% or Final Disclosure APR of 8.54900% is equal to or greater than the threshold of APOR 6.63% + 1.5%, or 8.13000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence the second appraisal was delivered to the borrower within 3 business days prior to closing. |  | Reviewer Comment (2025-04-02): Client elects to waive. SOL 1 year expires xxxxxx <br>Reviewer Comment (2025-03-25): The appraisal delivery was provided with no evidence of borrower receipt. 3 day mailbox rule applied. Presumed received dated is xxxxxx which is not within 3 business days prior to closing. |  |  | 04/02/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832943 | xxxxxx | 33057509 | xxxxxx | 03/20/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary xxxxxx | Provide evidence the second appraisal was delivered to the borrower within 3 business days prior to closing. |  | Reviewer Comment (2025-04-02): Client elects to waive. SOL 1 year expires xxxxxx <br>Reviewer Comment (2025-03-25): The appraisal delivery was provided with no evidence of borrower receipt. 3 day mailbox rule applied. Presumed received dated is xxxxxx which is not within 3 business days prior to closing. |  |  | 04/02/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832943 | xxxxxx | 33057511 | xxxxxx | 03/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  | Reviewer Comment (2025-04-01): Client elects to waive. SOL 1 year expires xxxxxx .<br>Reviewer Comment (2025-03-26): The consumer went through the eConsent process on xxxxxx , the consumer acknowledged the receipt of the LE on xxxxxx . But the loan application date was xxxxxx . In the event the consumer had not provided eConsent by xxxxxx , then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over 3 business days and acknowledged over 3 business days. The LE would not have been provided electronically if borrower had not e-consented with the 3 business days after application. |  |  | 04/01/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832943 | xxxxxx | 33057525 | xxxxxx | 03/20/2025 | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Estimated Values | Final Closing Disclosure used for fees provided on xxxxxx contains estimated values that may not represent final terms or closing costs to the borrower. Estimated Closing Disclosure used for any applicable Federal, State or Local compliance testing. If documented evidence is provided that estimate was for repair/construction costs or tax/insurance escrows ONLY (no holdback service fees or other estimated fees), then Estimated Closing Disclosure exception may be cleared. (Post-Close xxxxxx | The Final CD reflects an Escrow Holdback of $1,492.50 |  | Reviewer Comment (2025-03-31): Documents provided to evidence holdback is for xxxxxx, not closing costs | 03/31/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832943 | xxxxxx | 33061232 | xxxxxx | 03/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on seller xxxxxx |  | Reviewer Comment (2025-04-10): Received fraud and OFAC run on authorized signor of the selling entity, xxxxxx. Exception cleared..<br>Reviewer Comment (2025-03-26): Received updated Fraud Report. However fraud and OFAC not run on authorized signor of the selling entity, xxxxxx. Exception remains. | 04/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 832943 | xxxxxx | 33087722 | xxxxxx | 03/20/2025 | Credit | TRID | General | TRID | Escrow holdbacks are present. | Escrow Holdback Amount: $1,492.50 | The Final CD reflects escrow holdbacks of $1,492.50. Per guidelines, escrow holdbacks are not allowed. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-04-01): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-03-31): The LOE and agreement are not acceptable as per guidelines holdbacks are not allowed. Holdbacks were held and check cut back to borrower more than 3 months post-close. |  |  | 04/01/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837041 | xxxxxx | 33518809 | xxxxxx | 05/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on property owner, xxxxxx, signing as xxxxxx |  | Reviewer Comment (2025-06-09): Received Fraud and OFAC searches run on property owner, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-06-04): Fraud and OFAC search is run on the trust, however fraud and OFAC search needs to be run on the individual name. Since, xxxxxx are the xxxxxx of the trust. Therefore, provide fraud and OFAC search for xxxxxx. Exception remains.<br>Reviewer Comment (2025-06-03): Fraud report page 44 reflects property overview. However condition is raised for Fraud and OFAC searches run on property owner, xxxxxx, signing as xxxxxx. Exception remains. | 06/09/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 837536 | xxxxxx | 33838941 | xxxxxx | 07/10/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOMs are required on the subject property for any mortgages. 12 month mortgage statements and payoff provided. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-22): Client elects to waive with verified compensation factors |  |  | 07/22/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837536 | xxxxxx | 33885257 | xxxxxx | 07/10/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Note signature does not list the borrowing entity, only guarantor. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-10): Client elects to waive with verified compensation factors |  |  | 07/10/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 837536 | xxxxxx | 33885312 | xxxxxx | 07/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan closed in an Entity and the DOT + Riders (except the PPP rider) do not have the Borrowing Entity listed on the signature line, only Guarantor name. Provide the corrected and executed DOT + Riders, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-08-04): Received corrected and recorded DOT + Riders, LOE to borrower and evidence of delivery to borrower | 08/04/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 840272 | xxxxxx | 34197718 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | OA was not provided. Borrowing Cert, which was provided, can be taken in lieu of, however it is incomplete. The xxxxxx is not completed and the Seller reflects xxxxxx vs. the lender. |  | Reviewer Comment (2025-09-08): Received Borrowing Certificate. Exception cleared.<br>Reviewer Comment (2025-08-26): Received Business Purpose Certificate. Provide Operating Agreement. Exception remains. | 09/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 840272 | xxxxxx | 34197719 | xxxxxx | 08/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception in file for purpose and activities are limited to ownership and management of xxxxxx for the vesting entity. Seek exception to vest in LLC that is not restricted to ownership and management of xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-18): Client elects to waive with verified compensation factors |  |  | 08/18/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 840780 | xxxxxx | 34535413 | xxxxxx | 09/28/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx High-Cost Loan (Aggregate Payment Disclosure Not Provided) | xxxxxx High-Cost Loan: Borrower not provided with Aggregate Monthly Payment Disclosure statement. | Undiscounted rate and undiscounted price not verified. Provide documentation to support for re-testing. |  | Reviewer Comment (2025-12-16): xxxxxx P&Fs exception cured.<br>Reviewer Comment (2025-12-11): Reviewed documents; however, file is still missing lender attestation that they did not receive any notice from the borrower about the failure prior to the cure being made.<br>Reviewer Comment (2025-11-06): Received LOE to borrower dated xxxxxx , copy of check dated xxxxxx , PC-CD dated xxxxxx and mailing label. Mailing label tracking only reflects label created (must reflect at minimum in transit or delivered at or prior to xxxxxx , however based on print date of xxxxxx it appears this will not be possible and conditions will be incurable) as well as choice letter was not provided with borrower choice to accept a refund or keep high cost. Cure provisions expired xxxxxx .<br>Reviewer Comment (2025-10-30): xxxxxx law allows for exclusion of bona fide discount points only if the interest rate from which the lender's interest rate will be discounted, otherwise known as the Undiscounted Interest Rate as shown on the Rate Lock Screen, does not exceed the Treasury Index shown above by more than 1%. The Undiscounted Interest Rate is 8.75% and the Treasury Index is 4.79%. Since the Undiscounted Interest rate exceeds the Treasury by more than 1%, discount points cannot be excluded as the xxxxxx definition is not met for exclusion.<br>Reviewer Comment (2025-09-30): The condition cannot be cleared. As noted in the original condition, Undiscounted rate and undiscounted price not verified. Provide documentation to support for re-testing. xxxxxx report does not reflect this as well as required disclosures were not provided. Once undiscounted rate and undiscounted rate price are provided, we can re-test to see if loan will even need these. | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840780 | xxxxxx | 34535414 | xxxxxx | 09/28/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) xxxxxx High-Cost Loan (Financed Fees Exceeds Threshold) | xxxxxx High-Cost Loan: Lender financed points and fees in excess of 3% of the total loan amount. | Undiscounted rate and undiscounted price not verified. Provide documentation to support for re-testing. |  | Reviewer Comment (2025-12-16): xxxxxx P&Fs exception cured.<br>Reviewer Comment (2025-12-11): Reviewed documents; however, file is still missing lender attestation that they did not receive any notice from the borrower about the failure prior to the cure being made.<br>Reviewer Comment (2025-11-06): Received LOE to borrower dated xxxxxx , copy of check dated xxxxxx , PC-CD dated xxxxxx and mailing label. Mailing label tracking only reflects label created (must reflect at minimum in transit or delivered at or prior to xxxxxx , however based on print date of xxxxxx it appears this will not be possible and conditions will be incurable) as well as choice letter was not provided with borrower choice to accept a refund or keep high cost. Cure provisions expired xxxxxx .<br>Reviewer Comment (2025-10-30): xxxxxx law allows for exclusion of bona fide discount points only if the interest rate from which the lender's interest rate will be discounted, otherwise known as the Undiscounted Interest Rate as shown on the Rate Lock Screen, does not exceed the Treasury Index shown above by more than 1%. The Undiscounted Interest Rate is 8.75% and the Treasury Index is 4.79%. Since the Undiscounted Interest rate exceeds the Treasury by more than 1%, discount points cannot be excluded as the xxxxxx definition is not met for exclusion.<br>Reviewer Comment (2025-09-30): The condition cannot be cleared. As noted in the original condition, Undiscounted rate and undiscounted price not verified. Provide documentation to support for re-testing. xxxxxx report does not reflect this as well as required disclosures were not provided. Once undiscounted rate and undiscounted rate price are provided, we can re-test to see if loan will even need these. | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840780 | xxxxxx | 34535416 | xxxxxx | 09/28/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx High-Cost Loan (Shop Around Notice Not on Loan Application) | xxxxxx High-Cost Loan: Mandatory "Shop Around" Notice not included on loan application to applicant. | Undiscounted rate and undiscounted price not verified. Provide documentation to support for re-testing. |  | Reviewer Comment (2025-12-16): xxxxxx P&Fs exception cured.<br>Reviewer Comment (2025-12-11): Reviewed documents; however, file is still missing lender attestation that they did not receive any notice from the borrower about the failure prior to the cure being made.<br>Reviewer Comment (2025-11-06): Received LOE to borrower dated xxxxxx , copy of check dated xxxxxx , PC-CD dated xxxxxx and mailing label. Mailing label tracking only reflects label created (must reflect at minimum in transit or delivered at or prior to xxxxxx , however based on print date of xxxxxx it appears this will not be possible and conditions will be incurable) as well as choice letter was not provided with borrower choice to accept a refund or keep high cost. Cure provisions expired xxxxxx .<br>Reviewer Comment (2025-10-30): xxxxxx law allows for exclusion of bona fide discount points only if the interest rate from which the lender's interest rate will be discounted, otherwise known as the Undiscounted Interest Rate as shown on the Rate Lock Screen, does not exceed the Treasury Index shown above by more than 1%. The Undiscounted Interest Rate is 8.75% and the Treasury Index is 4.79%. Since the Undiscounted Interest rate exceeds the Treasury by more than 1%, discount points cannot be excluded as the xxxxxx definition is not met for exclusion.<br>Reviewer Comment (2025-09-30): The condition cannot be cleared. As noted in the original condition, Undiscounted rate and undiscounted price not verified. Provide documentation to support for re-testing. xxxxxx report does not reflect this as well as required disclosures were not provided. Once undiscounted rate and undiscounted rate price are provided, we can re-test to see if loan will even need these. | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840780 | xxxxxx | 34535417 | xxxxxx | 09/28/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) xxxxxx High-Cost Loan (Points and Fees) | xxxxxx Anti-Predatory Lending Statute: Points and Fees on subject loan of 5.17901% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total xxxxxx on a Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .17901%). Non-Compliant High Cost Loan. | Undiscounted rate and undiscounted price not verified. Provide documentation to support for re-testing. |  | Reviewer Comment (2025-12-16): SitusAMC received: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost, copy of refund check and proof of mailing. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place.<br>Reviewer Comment (2025-12-11): Reviewed documents; however, file is still missing lender attestation that they did not receive any notice from the borrower about the failure prior to the cure being made.<br>Reviewer Comment (2025-11-06): Received LOE to borrower dated xxxxxx , copy of check dated xxxxxx , PC-CD dated xxxxxx and mailing label. Mailing label tracking only reflects label created (must reflect at minimum in transit or delivered at or prior to xxxxxx , however based on print date of xxxxxx it appears this will not be possible and conditions will be incurable) as well as choice letter was not provided with borrower choice to accept a refund or keep high cost. Cure provisions expired xxxxxx .<br>Reviewer Comment (2025-10-30): xxxxxx law allows for exclusion of bona fide discount points only if the interest rate from which the lender's interest rate will be discounted, otherwise known as the Undiscounted Interest Rate as shown on the Rate Lock Screen, does not exceed the Treasury Index shown above by more than 1%. The Undiscounted Interest Rate is 8.75% and the Treasury Index is 4.79%. Since the Undiscounted Interest rate exceeds the Treasury by more than 1%, discount points cannot be excluded as the xxxxxx definition is not met for exclusion.<br>Reviewer Comment (2025-09-30): The condition cannot be cleared. As noted in the original condition, Undiscounted rate and undiscounted price not verified. Provide documentation to support for re-testing. xxxxxx report does not reflect this as well as required disclosures were not provided. Once undiscounted rate and undiscounted rate price are provided, we can re-test to see if loan will even need these. |  | 12/16/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840780 | xxxxxx | 34535418 | xxxxxx | 09/28/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Non-Compliant | xxxxxx Subprime Loan: APR on subject loan of 8.66897% or Final Disclosure APR of 8.72000% is in excess of allowable threshold of Prime Mortgage Market Rate 6.84000 + 1.75%, or 8.59000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2025-09-25): Client elects to waive |  |  | 09/25/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840780 | xxxxxx | 34535450 | xxxxxx | 09/28/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx High-Cost Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided Timely) | xxxxxx High-Cost Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice within three (3) business days of high-cost application and at least ten (10) business days before closing. | Undiscounted rate and undiscounted price not verified. Provide documentation to support for re-testing. |  | Reviewer Comment (2025-12-16): xxxxxx P&Fs exception cured.<br>Reviewer Comment (2025-12-11): Reviewed documents; however, file is still missing lender attestation that they did not receive any notice from the borrower about the failure prior to the cure being made.<br>Reviewer Comment (2025-11-06): Received LOE to borrower dated xxxxxx , copy of check dated xxxxxx , PC-CD dated xxxxxx and mailing label. Mailing label tracking only reflects label created (must reflect at minimum in transit or delivered at or prior to xxxxxx , however based on print date of xxxxxx it appears this will not be possible and conditions will be incurable) as well as choice letter was not provided with borrower choice to accept a refund or keep high cost. Cure provisions expired xxxxxx .<br>Reviewer Comment (2025-10-30): xxxxxx law allows for exclusion of bona fide discount points only if the interest rate from which the lender's interest rate will be discounted, otherwise known as the Undiscounted Interest Rate as shown on the Rate Lock Screen, does not exceed the Treasury Index shown above by more than 1%. The Undiscounted Interest Rate is 8.75% and the Treasury Index is 4.79%. Since the Undiscounted Interest rate exceeds the Treasury by more than 1%, discount points cannot be excluded as the xxxxxx definition is not met for exclusion.<br>Reviewer Comment (2025-09-30): The condition cannot be cleared. As noted in the original condition, Undiscounted rate and undiscounted price not verified. Provide documentation to support for re-testing. xxxxxx report does not reflect this as well as required disclosures were not provided. Once undiscounted rate and undiscounted rate price are provided, we can re-test to see if loan will even need these. | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840780 | xxxxxx | 34535451 | xxxxxx | 09/28/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) xxxxxx High-Cost Loan (Counseling Disclosure Not Provided Timely) | xxxxxx High-Cost Loan: Counseling Disclosure not provided to borrower at time of application. | Undiscounted rate and undiscounted price not verified. Provide documentation to support for re-testing. |  | Reviewer Comment (2025-12-16): xxxxxx P&Fs exception cured.<br>Reviewer Comment (2025-12-11): Reviewed documents; however, file is still missing lender attestation that they did not receive any notice from the borrower about the failure prior to the cure being made.<br>Reviewer Comment (2025-11-06): Received LOE to borrower dated xxxxxx , copy of check dated xxxxxx , PC-CD dated xxxxxx and mailing label. Mailing label tracking only reflects label created (must reflect at minimum in transit or delivered at or prior to xxxxxx , however based on print date of xxxxxx it appears this will not be possible and conditions will be incurable) as well as choice letter was not provided with borrower choice to accept a refund or keep high cost. Cure provisions expired xxxxxx .<br>Reviewer Comment (2025-10-30): xxxxxx law allows for exclusion of bona fide discount points only if the interest rate from which the lender's interest rate will be discounted, otherwise known as the Undiscounted Interest Rate as shown on the Rate Lock Screen, does not exceed the Treasury Index shown above by more than 1%. The Undiscounted Interest Rate is 8.75% and the Treasury Index is 4.79%. Since the Undiscounted Interest rate exceeds the Treasury by more than 1%, discount points cannot be excluded as the xxxxxx definition is not met for exclusion.<br>Reviewer Comment (2025-09-30): The condition cannot be cleared. As noted in the original condition, Undiscounted rate and undiscounted price not verified. Provide documentation to support for re-testing. xxxxxx report does not reflect this as well as required disclosures were not provided. Once undiscounted rate and undiscounted rate price are provided, we can re-test to see if loan will even need these. | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840780 | xxxxxx | 34535452 | xxxxxx | 09/28/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Subprime Loan (Counseling Disclosure Not Provided within Three Days of Application) | xxxxxx Subprime Loan: Counseling Disclosure not provided to borrower within three days of application. | Counseling Disclosure not provided to borrower within three days of application. |  | Reviewer Comment (2025-09-25): Client elects to waive |  |  | 09/25/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842394 | xxxxxx | 34280271 | xxxxxx | 08/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Provide the OA or Borrowing Cert |  | Reviewer Comment (2025-09-19): Received Corporate Resolution. Exception cleared. | 09/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 842394 | xxxxxx | 34280272 | xxxxxx | 08/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide the OA or Borrowing Cert |  | Reviewer Comment (2025-09-19): Received Corporate Resolution. Exception cleared. | 09/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 842394 | xxxxxx | 34309807 | xxxxxx | 08/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided |  | Provide evidence of how long xxxxxx was owned prior to sale to evidence experience (requirements not met for first time investor). |  | Reviewer Comment (2025-09-08): Received deed and Purchase contract to verify the property was purchased on xxxxxx and sold on xxxxxx . Exception cleared.<br>Reviewer Comment (2025-09-04): A tax cert is not evidence of length of ownership nor is the purchase contract. Provided the property profile report to support length of ownership. | 09/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 842880 | xxxxxx | 33937439 | xxxxxx | 05/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception: Appraised value is xxxxxx. CDA Desk review came in at xxxxxx - approx. 3% variance with a moderate risk. Need exception to use the higher valuation amount of xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-05-14): Client elects to downgrade and waive based on the following compensating factors:<br> Borrower FICO score of 740, low LTV at 70% <br> Borrower Reserves: 78.55<br> Guideline Requirement: 12.00 |  |  | 05/14/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 843272 | xxxxxx | 34358566 | xxxxxx | 07/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | File is missing 12 month housing history for primary residence. |  | Reviewer Comment (2025-07-31): Cleared with credit supplement. | 07/31/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 843272 | xxxxxx | 34358567 | xxxxxx | 07/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Collections & judgments required to be paid with balances over $2,000. Judgments reflected on fraud report balances of $31,988, $3,669, $31,659, $5,363, and $9,731 did not have proof of satisfaction and were not paid at closing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-28): Waived with compensating factors per lender exception approval at origination.<br>Reviewer Comment (2025-08-22): Exception needs to address both tax liens and judgments from title and from Fraud report.<br>Reviewer Comment (2025-08-11): The documents do not verify all judgments were paid.<br>Reviewer Comment (2025-07-21): Please provide complete email chain between title and lender to determine which judgments they are referencing in their numbered list. Also, it appears these are personal judgments and not business related, and personal debt cannot be paid through business purpose loans. |  |  | 08/28/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 843272 | xxxxxx | 34358568 | xxxxxx | 07/16/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 31988.00, Credit Report: Original // Public Record Type: Judgments / Balance: 3669.00, Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx, Credit Report: Original // Public Record Type: Judgments / Balance: 5363.00, Credit Report: Original // Public Record Type: Judgments / Balance: 9731.00 | Judgments are required to be paid prior to or at closing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-28): Waived with compensating factors per lender exception approval at origination.<br>Reviewer Comment (2025-08-22): Exception needs to address both tax liens and judgments from title and from Fraud report.<br>Reviewer Comment (2025-07-21): Please provide complete email chain between title and lender to determine which judgments they are referencing in their numbered list. Also, it appears these are personal judgments and not business related, and personal debt cannot be paid through business purpose loans. |  |  | 08/28/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 843846 | xxxxxx | 34156040 | xxxxxx | 08/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing |  | Reviewer Comment (2025-08-20): Received full fraud report. Fraud and OFAC search run on the all parties to the transaction are included in the Fraud and OFAC searches. Exception cleared. | 08/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 843846 | xxxxxx | 34156041 | xxxxxx | 08/12/2025 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | 1007, xxxxxx, xxxxxx documentation not provided in the file. |  | Reviewer Comment (2025-09-08): Received the most recent 12-month rental history statement from the 3rd party rental/management service. 1007 not required per guidelines if alternative STR provided. Exception cleared.<br>Reviewer Comment (2025-09-02): Bank statements alone do not clear this condition. Per guidelines, if the most recent 12 months bank statements from the borrower are provided evidencing STR deposits, the borrower must also provided rental records for the subject property to support the monthly deposits. | 09/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 843846 | xxxxxx | 34156072 | xxxxxx | 08/12/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | Fraud report is missing from the file. |  | Reviewer Comment (2025-08-18): OFAC for borrower provided on full credit report. | 08/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 843846 | xxxxxx | 34160959 | xxxxxx | 08/12/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Investor Exception - 5% LTV exception to go to 75% on cash out STR DSCR | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2025-08-11): Client elected to waive/regrade with Compensating Factors. Lender exception provided. |  |  | 08/11/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 843846 | xxxxxx | 34160960 | xxxxxx | 08/12/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 70.00000%. | Investor Exception - 5% LTV exception to go to 75% on cash out STR DSCR | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2025-08-11): Client elected to waive/regrade with Compensating Factors. Lender exception provided. |  |  | 08/11/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 843846 | xxxxxx | 34161598 | xxxxxx | 08/12/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of is less than Guideline representative FICO score of 700. | Credit scores are missing on the provided credit reports in file |  | Reviewer Comment (2025-08-18): Complete credit report provided with scores | 08/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 844355 | xxxxxx | 34358490 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-09-12): Received Operating Agreement. Exception cleared. | 09/12/2025 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 844355 | xxxxxx | 34358677 | xxxxxx | 09/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | All documents in file reflect the LLC as an xxxxxx, however per all the Entity documents, the loan is an xxxxxx. |  | Reviewer Comment (2025-09-29): Updated GA provided<br>Reviewer Comment (2025-09-24): Received corrected PUD rider and corrected Note. Still Pending receipt of corrected Guaranty. Page 1 still reflects an xxxxxx for the LLC.<br>Reviewer Comment (2025-09-23): Received LOE to borrower, evidence of delivery to the borrower and recorded page for DOT. Still pending receipt of corrected PUD Rider (just says a limited liability company vs xxxxxx), the updated page 1 of the Guarantor Cert (still reflects xxxxxx) and Note signature line (which has I xxxxxx).<br>Reviewer Comment (2025-09-18): Received updated Loan Agreement, Occupancy Cert, Approval, Business Purpose Cert, UC, and DOT (all executed). Pending receipt of updated PUD rider, updated page 1 of the Guarantor Cert (still says xxxxxx), and corrected Note page 1 reflects incorrect borrower address of xxxxxx and signature line reflects xxxxxx for LLC, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record.<br>Reviewer Comment (2025-09-16): An AKA for the Guarantor does not clear this condition. Please review the original condition and comments on xxxxxx <br>Reviewer Comment (2025-09-15): The document provided is a correction and amendment agreement but is not acceptable in lieu corrected documen4ts. Also, the agreement is signed by a Non-Guarantor on the loan and not the Guarantor. | 09/29/2025 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 844355 | xxxxxx | 34359130 | xxxxxx | 09/09/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Note date: xxxxxx; Lien Position: 1<br> Note date: xxxxxx; Lien Position: 1<br> Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-09-15): Received UCDP SSR. Exception cleared. | 09/15/2025 |  |  | 1 D A | xxxxxx |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 844355 | xxxxxx | 34373251 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the executed loan agreement which reflects release amounts. |  | Reviewer Comment (2025-09-18): Corrected and executed loan agreement provided<br>Reviewer Comment (2025-09-16): The document provided is the xxxxxx workbook vs. executed loan agreement with release amounts.<br>Reviewer Comment (2025-09-15): Received Operating agreement, UCDP and Lease agreement. Provide the executed loan agreement which reflects release amounts. Exception remains. | 09/18/2025 |  |  | 1 C A D | xxxxxx |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 844355 | xxxxxx | 34373283 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | 1) Seller to complete xxxxxx workbook and upload to xxxxxx portal. 2) Provide a breakdown of the loan amount for each property |  | Reviewer Comment (2025-09-18): Loan amount breakdown provided<br>Reviewer Comment (2025-09-17): The same document was provided that was previously provided and does not have a breakdown of the loan amounts for each property. It is possible a doc type is trying to be updated that is not accepted.<br>Reviewer Comment (2025-09-15): Received xxxxxx workbook, however a breakdown of the loan amount for each property was not provided. Exception remains. | 09/18/2025 |  |  | 1 C A D | xxxxxx |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 844355 | xxxxxx | 34373291 | xxxxxx | 09/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | 1) Lease agreements are required for all properties that reflect Tenant Occupied per xxxxxx guidelines (All properties except xxxxxx. Lease only provided for xxxxxx) 2) A property is considered unleased and vacant when no long term executed lease is in place. The Borrower should provide the cause of vacancy (Letter of Explanation) for refinance transactions, such as recently completed renovation, tenant turnover, etc. Property on xxxxxx reflects Vacant. |  | Reviewer Comment (2025-09-15): Received Lease agreement for all properties. Exception cleared. | 09/15/2025 |  |  | 1 C A | xxxxxx |  | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 844510 | xxxxxx | 34157133 | xxxxxx | 08/11/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-08-19): CDA received<br>Reviewer Comment (2025-08-15): A CDA order has been placed. | 08/19/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844510 | xxxxxx | 34157141 | xxxxxx | 08/11/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2025-08-13): Received final title policy exception cleared. | 08/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844510 | xxxxxx | 34157260 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-08-15): The Rate Lock was provided. | 08/15/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844510 | xxxxxx | 34157262 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $126.00 exceeds tolerance of $86.00 plus 10% or $94.60. Insufficient or no cure was provided to the borrower. xxxxxx | The Recording Fee increased from $86.00 on the initial Loan Estimate to $126.00 on the initial Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-08-25): SitusAMC Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 08/25/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844510 | xxxxxx | 34157263 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) | The Second Appraisal Fee was not disclosed on the initial Loan Estimate and was charged $150.00 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-08-25): SitusAMC Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-08-15): SItusAMC received rebuttal, however we also require COC document with reason for addition of fee. A valid Changed Circumstance with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. |  | 08/25/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844510 | xxxxxx | 34224224 | xxxxxx | 08/15/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  | Reviewer Comment (2025-08-19): CDA received<br>Reviewer Comment (2025-08-18): Valuation Received - xxxxxx  | 08/19/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844649 | xxxxxx | 34399129 | xxxxxx | 09/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 1.0, xxxxxx CU 3.0. Due to discrepancy, a secondary valuation is required |  | Reviewer Comment (2025-09-22): CDA provided | 09/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 844649 | xxxxxx | 34399143 | xxxxxx | 09/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The settlement statement in file has a disbursement date prior to consummation. |  | Reviewer Comment (2025-09-24): Lender attestation provided that the notary date is really a xxxxxx. States the comma is intercepting with the 2 to make it look like a 3. Client email stating they are accepting this.<br>Reviewer Comment (2025-09-22): The signing date of the closing statement or HUD or prorations have no bearing on this. The loan did not close (which is the consummation date), per the DOT, until xxxxxx A loan cannot disburse prior to closing.<br>Reviewer Comment (2025-09-15): The HUD-1 provided still reflects a disbursement date prior to consummation. Consummation was xxxxxx and disbursement date on HUD is xxxxxx Provide the final stamped settlement statement with corrected disbursement date. | 09/24/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 845208 | xxxxxx | 34476603 | xxxxxx | 09/22/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxxxx is reflected in the address |  | Reviewer Comment (2025-11-13): Received corrected Note post-review updating address again along with recorded correction affidavit for DOT.<br>Reviewer Comment (2025-11-10): The updated correction affidavit is for xxxxxx.<br>Reviewer Comment (2025-11-06): The Seller provided corrected documents post review updating the zip code on xxxxxx which conditions were cleared. Now the Seller has provided another executed note post review on xxxxxx adding xxxxxx to the address in which previous conditions were cleared based on xxxxxx not provided on documents. The Seller needs to confirm what the exact address is and this will determine if conditions need to be re-opened or not and if conditions need to be added or not.<br>Reviewer Comment (2025-10-31): Received executed Note, however the file is missing LOE to borrower, evidence of delivery to borrower and lender's LOI. Also, other documents needs to be corrected. Exception remains.<br>Reviewer Comment (2025-10-22): HOI still reflects xxxxxx in the address. Zip code is correct based on updated Note provided<br>Reviewer Comment (2025-10-09): As noted, a xxxxxx affidavit is only allowed for the DOT. The executed Note will also be required and any other document that reflects the incorrect address will need to be updated. Also, LOE to borrower, evidence of delivery to borrower and lender's LOI will also be required. Once the corrected executed Note is received, the file can be updated with any other documents that will need correction.<br>Reviewer Comment (2025-10-01): A xxxxxx affidavit is only allowed for the DOT. The executed Note will also be required and any other document that reflects the incorrect address will need to be updated. Also, LOE to borrower, evidence of delivery to borrower and lender's LOI will also be required. Once the corrected executed Note is received, the file can be updated with any other documents that will need correction. | 11/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845208 | xxxxxx | 34476609 | xxxxxx | 09/22/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Zip code does not match. |  | Reviewer Comment (2025-10-22): Note provided post review correcting zip code. See additional conditions as a result. Flood zip is correct. | 10/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845208 | xxxxxx | 34476619 | xxxxxx | 09/22/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Zip code does not match |  | Reviewer Comment (2025-10-22): Note provided post review correcting zip code. See additional conditions as a result. CDA zip is correct. | 10/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845208 | xxxxxx | 34476635 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC missing for Settlement Agent - xxxxxx |  | Reviewer Comment (2025-10-10): Received HUD/LDP Search for settlement agent. Exception cleared.<br>Reviewer Comment (2025-10-02): Received OFAC and GSA search for settlement agent. Therefore, provide updated Fraud Report or HUD/LDP search. Exception remains. | 10/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845208 | xxxxxx | 34476645 | xxxxxx | 09/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: xxxxxx is reflect in the address |  | Reviewer Comment (2025-11-13): Received corrected Note post-review updating address again along with recorded correction affidavit for DOT. | 11/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845208 | xxxxxx | 34782355 | xxxxxx | 10/22/2025 | Credit | System | General | System | Security Instrument address does not match Note address. |  | Corrected Note provided post review updating zip code and adding xxxxxx. Affidavit of correction provided updating zip code but only notes mortgages recorded and instrument number which was not provided. Provide recorded instrument to match to affidavit of correction, the LOE to borrower, evidence of delivery to borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-10-24): Documentation provided. Exception cleared | 10/24/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845208 | xxxxxx | 34782357 | xxxxxx | 10/22/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Corrected Note provided post review updating zip code and adding xxxxxx. Appraisal does not match. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845208 | xxxxxx | 34782360 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Note provided post review updating zip code and adding xxxxxx. Provide the updated 1003. Investor to advise if they are requiring Business Purpose Cert, Occupancy Cert or HUD to be corrected. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845208 | xxxxxx | 34857984 | xxxxxx | 10/31/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA does not reflect xxxxxx in address vs Note reflects xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845208 | xxxxxx | 34857988 | xxxxxx | 10/31/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate does not reflect xxxxxx in address vs Note reflects xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-14): Client elects to waive with verified compensation factors |  |  | 11/14/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845211 | xxxxxx | 34587614 | xxxxxx | 09/29/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | 1) Schedule C: Provide the 2024 P&L, 2025 YTD P&L, and third party verification of SE dated within 90 days prior to closing 2) xxxxxx: Provide the 2024 P&L & 2025 YTD P&L. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-12-05): Waived with compensating factors per client direction.<br>Reviewer Comment (2025-11-24): Removed the Schedule C income per lender request. File is still missing the 2024 and 2025 YTD P&L for xxxxxx dated pre-consummation. Please confirm the exception granted below was for these missing documents.<br>Reviewer Comment (2025-11-24): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: P&L Statement, Third Party Verification<br>Reviewer Comment (2025-11-20): The 1003/1008 do not clear this condition. Full doc requires rental income to be qualified off of Schedule E. Property acquired in xxxxxx xxxxxx. 2024 tax returns would be required in which the borrower filed an extension. Investor would need to consider an exception to allow the use of the rental income via lease vs. Schedule E. Further, the P&L's for both businesses with Schedule C and xxxxxx are dated post close as well as the third party verification of SE for the Schedule C was not provided and must be within 90 days prior to closing.<br>Reviewer Comment (2025-11-14): The Schedule C income is required to qualify borrower, without the same, the borrower's DTI is more than 50%. Therefore provide third party verification of SE dated within 90 days prior to closing. Also all P&L's received for Schedule C and xxxxxx are post-close and not acceptable. Exception remains.<br>Reviewer Comment (2025-11-12): Received 2024 P&L statement for Schedule C. Provide third party verification of SE dated within 90 days prior to closing as the income needs to be utilized to qualify borrower. Exception remains.<br>Reviewer Comment (2025-11-09): Received 2025 YTD P&L for Schedule C, and received 2024 P&L & 2025 YTD P&L for xxxxxx. Pending receipt of 2024 P&L and third party verification of SE dated within 90 days prior to closing for Schedule C. Exception remains. |  |  | 12/05/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 845211 | xxxxxx | 35068403 | xxxxxx | 11/24/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 51.32398% exceeds Guideline total debt ratio of 50.00000%. | Excluding Schedule C and rental income, borrower's DTI exceeds guideline maximum of 50%. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-12-05): Waived with compensating factors per client direction. |  |  | 12/05/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 845214 | xxxxxx | 34451580 | xxxxxx | 09/19/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-30): The client elects to waive. |  |  | 10/30/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845214 | xxxxxx | 34451585 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-10-10): Received HUD/LDP search for settlement agent. Exception cleared.<br>Reviewer Comment (2025-10-02): Received OFAC and GSA search for settlement agent. Therefore, provide updated Fraud Report or HUD/LDP search. Exception remains. | 10/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845214 | xxxxxx | 34451619 | xxxxxx | 09/19/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Cert address is missing xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-30): The client elects to waive. |  |  | 10/30/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845214 | xxxxxx | 34451620 | xxxxxx | 09/19/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal address is missing xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-30): The client elects to waive. |  |  | 10/30/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845214 | xxxxxx | 34451622 | xxxxxx | 09/19/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA address is missing xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-30): The client elects to waive. |  |  | 10/30/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845214 | xxxxxx | 34451659 | xxxxxx | 09/19/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI reflects a zip code of xxxxxx vs Note xxxxxx. |  | Reviewer Comment (2025-10-22): Note provided post review correcting zip code. See additional conditions as a result. HOI zip is correct. | 10/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845214 | xxxxxx | 34502810 | xxxxxx | 09/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title zip code xxxxxx vs. Note xxxxxx. |  | Reviewer Comment (2025-10-22): Note provided post review correcting zip code. See additional conditions as a result. Title zip is correct.<br>Reviewer Comment (2025-10-09): As noted, a xxxxxx affidavit is only allowed for the DOT. The executed Note will also be required any any other document that reflects the incorrect address will need to be updated. Also, LOE to borrower, evidence of delivery to borrower and lender's LOI will also be required. Once the corrected executed Note is received, the file can be updated with any other documents that will need correction.<br>Reviewer Comment (2025-10-01): A xxxxxx affidavit is only allowed for the DOT. The executed Note will also be required any any other document that reflects the incorrect address will need to be updated. Also, LOE to borrower, evidence of delivery to borrower and lender's LOI will also be required. Once the corrected executed Note is received, the file can be updated with any other documents that will need correction. | 10/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845214 | xxxxxx | 34781948 | xxxxxx | 10/22/2025 | Credit | System | General | System | Security Instrument address does not match Note address. |  | Corrected Note provided post review updating zip code. Affidavit of correction provided updating zip code but only notes mortgages recorded and instrument number which was not provided. Provide recorded instrument to match to affidavit of correction, the LOE to borrower, evidence of delivery to borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-10-24): Documentation provided. Exception cleared | 10/24/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845214 | xxxxxx | 34781950 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Note provided post review updating zip code. Provide the updated 1003. Investor to advise if they are requiring Business Purpose Cert, Occupancy Cert or HUD to be corrected. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-30): The client elects to waive. |  |  | 10/30/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845216 | xxxxxx | 34476408 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-10-13): Received HUD/LDP search for settlement agent. Exception cleared.<br>Reviewer Comment (2025-10-02): Received OFAC search for settlement agent. Therefore provide updated Fraud Report or HUD/LDP search. Exception remains. | 10/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845216 | xxxxxx | 34476961 | xxxxxx | 09/22/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Zip code does not match |  | Reviewer Comment (2025-10-22): Note provided post review correcting zip code. See additional conditions as a result. Flood zip is correct.<br>Reviewer Comment (2025-10-09): As noted, a xxxxxx affidavit is only allowed for the DOT. The executed Note will also be required any any other document that reflects the incorrect address will need to be updated. Also, LOE to borrower, evidence of delivery to borrower and lender's LOI will also be required. Once the corrected executed Note is received, the file can be updated with any other documents that will need correction.<br>Reviewer Comment (2025-10-01): A xxxxxx affidavit is only allowed for the DOT. The executed Note will also be required any any other document that reflects the incorrect address will need to be updated. Also, LOE to borrower, evidence of delivery to borrower and lender's LOI will also be required. Once the corrected executed Note is received, the file can be updated with any other documents that will need correction. | 10/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845216 | xxxxxx | 34476963 | xxxxxx | 09/22/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Zip code does not match |  | Reviewer Comment (2025-10-22): Note provided post review correcting zip code. See additional conditions as a result. HOI zip is correct. | 10/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845216 | xxxxxx | 34515807 | xxxxxx | 09/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Zip code does not match |  | Reviewer Comment (2025-10-22): Note provided post review correcting zip code. See additional conditions as a result. Title zip is correct. | 10/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845216 | xxxxxx | 34781974 | xxxxxx | 10/22/2025 | Credit | System | General | System | Security Instrument address does not match Note address. |  | Corrected Note provided post review updating zip code. Affidavit of correction provided updating zip code but only notes mortgages recorded and instrument number which was not provided. Provide recorded instrument to match to affidavit of correction, the LOE to borrower, evidence of delivery to borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-10-30): All of the cure docs were provided.<br>Reviewer Comment (2025-10-28): As noted in the original condition comments on the cleared conditions and email to investor, once the corrected Note was received with correct address, the Correction Affidavit would be reviewed which is was after correct Note was provided. This added condition notes the review of the affidavit and what is and and is not correct and what was not provided.<br>Reviewer Comment (2025-10-24): Please provide the mailing label, and LOI to record | 10/30/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845216 | xxxxxx | 34781977 | xxxxxx | 10/22/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Note provided post review correcting zip code. Appraisal and CU zip code do not match. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-30): The client elects to waive. |  |  | 10/30/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845216 | xxxxxx | 34781984 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Note provided post review updating zip code. Provide the updated 1003. Investor to advise if they are requiring Business Purpose Cert, Occupancy Cert or HUD to be corrected. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-30): The client elects to waive. |  |  | 10/30/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845217 | xxxxxx | 34477488 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-10-24): Received HUD/LDP search. Exception cleared.<br>Reviewer Comment (2025-10-03): Received OFAC search and GSA for settlement agent. Therefore, provide updated Fraud Report or HUD/LDP search. Exception remains. | 10/24/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845217 | xxxxxx | 34477503 | xxxxxx | 09/22/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Zip code does not match |  | Reviewer Comment (2025-10-22): Received corrected Note with updated zip code. See new conditions noted as a result. Flood Zip is correct.<br>Reviewer Comment (2025-10-09): As previously noted, a xxxxxx affidavit is only allowed for the DOT. The executed Note will also be required any any other document that reflects the incorrect address will need to be updated. Also, LOE to borrower, evidence of delivery to borrower and lender's LOI will also be required. Once the corrected executed Note is received, the file can be updated with any other documents that will need correction.<br>Reviewer Comment (2025-10-01): A xxxxxx affidavit is only allowed for the DOT. The executed Note will also be required any any other document that reflects the incorrect address will need to be updated. Also, LOE to borrower, evidence of delivery to borrower and lender's LOI will also be required. Once the corrected executed Note is received, the file can be updated with any other documents that will need correction. | 10/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845217 | xxxxxx | 34477504 | xxxxxx | 09/22/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Address reflects xxxxxx vs Note which does not. |  | Reviewer Comment (2025-11-11): Evidence of delivery provided<br>Reviewer Comment (2025-11-07): The correction affidavit provided along with other documents was only updated based on the new zip code. The lender has now added xxxxxx to the address, therefore, conditions needs to be added and re-opened. LOE to borrower provided. Mailing label tracking only reflects label created. Must reflect at minimum in transit.<br>Reviewer Comment (2025-11-06): The Seller provided corrected documents post review updating the zip code on xxxxxx which conditions were cleared. Now the Seller has provided another executed note post review on xxxxxx adding xxxxxx to the address in which previous conditions were cleared based on xxxxxx not provided on documents. The Seller needs to confirm what the exact address is and this will determine if conditions need to be re-opened or not and if conditions need to be added or not.<br>Reviewer Comment (2025-10-31): Received executed Note, however the file is missing LOE to borrower, evidence of delivery to borrower and lender's LOI. Also, other documents needs to be corrected. Exception remains. | 11/11/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845217 | xxxxxx | 34513079 | xxxxxx | 09/22/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Zip code does not match |  | Reviewer Comment (2025-10-22): Received corrected Note with updated zip code. See new conditions noted as a result. CDA Zip is correct. | 10/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845217 | xxxxxx | 34515808 | xxxxxx | 09/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Address reflects xxxxxx vs Note which does not |  | Reviewer Comment (2025-11-07): Another note was provided post-review adding xxxxxx to address. See added conditions as a result. | 11/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845217 | xxxxxx | 34781925 | xxxxxx | 10/22/2025 | Credit | System | General | System | Security Instrument address does not match Note address. |  | Corrected Note provided post review updating zip code and another note provided post-review adding xxxxxx. Affidavit of correction provided updating zip code only but only notes mortgages recorded and instrument number which was not provided. A new affidavit of correction to be provided updating both zip code and adding xxxxxx along with recorded instrument to match to affidavit of correction, the LOE to borrower, evidence of delivery to borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-11-10): Recorded affidavit of correction provided along with LOE to borrower and evidence of delivery to the borrower.<br>Reviewer Comment (2025-11-07): Condition needs to be re-opened. Lender provided another Note post review adding in xxxxxx to the address. Affidavit of correction provided only updated the zip code.<br>Reviewer Comment (2025-10-24): Documentation provided. Exception cleared | 11/10/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845217 | xxxxxx | 34781928 | xxxxxx | 10/22/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Note provided post review updating zip code and again adding xxxxxx. Appraisal zip code does not match and does not reflect xxxxxx. . | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-31): Appraisal report does not reflect xxxxxx in address and zip code does not match vs Note reflects xxxxxx. |  |  | 11/11/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845217 | xxxxxx | 34781935 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Note provided post review updating zip code and now adding xxxxxx. Provide the updated 1003. Investor to advise if they are requiring Business Purpose Cert, Occupancy Cert or HUD to be corrected. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-11): Client elects to waive with verified compensation factors |  |  | 11/11/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845217 | xxxxxx | 34857964 | xxxxxx | 10/31/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Another note was provided post-review updating address again to add xxxxxx. Flood Cert no longer matches address. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-11): Client elects to waive with verified compensation factors |  |  | 11/11/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845217 | xxxxxx | 34857967 | xxxxxx | 10/31/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Another note was provided post-review updating address again to add xxxxxx. CDA no longer matches address. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-11): Client elects to waive with verified compensation factors |  |  | 11/11/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845826 | xxxxxx | 34754582 | xxxxxx | 10/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception, square footage of condo is below guideline requirements. Subject is xxxxxx square feet. Guidelines require minimum of 500. However, comp factors are incorrect. LTV is not 10% or more above the max. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-04): Client elects to waive with verified compensation factors |  |  | 11/04/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845826 | xxxxxx | 34785722 | xxxxxx | 10/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception - Subject is a xxxxxx. However, comp factors are incorrect. LTV is not 10% or more above the max. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-04): Client elects to waive with verified compensation factors |  |  | 11/04/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845986 | xxxxxx | 34641843 | xxxxxx | 10/08/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property history is not reflecting in credit report.<br> 12-months mortgage payment history is to be documented, as follows: <br> Mortgage statement or Note for the review period to verify monthly payment amount, and<br> Proof of payments through one of the following:<br> 12-months cancelled checks, ACH payment, bank transfer/wire, or electronic payment method <br> from the borrower<br> Payments made in cash are not eligible, or<br> 12-months mortgage statements for the review period, or<br> 12-months loan payment history from the creditor/servicer<br> Proof of borrower's payment for the most recent 6-months is required, or<br> 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer<br> Proof of borrower's payment for the most recent 6-months is required and <br> mortgage payoff. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-29): The client elects to waive.<br>Reviewer Comment (2025-10-27): Received Note to verify monthly payment amount. However, the 12-months loan payment history is from the creditor/servicer and guidelines requires 6 months payment proof from borrower. Therefore Proof of borrower's payment for the most recent 6-months is required. Exception remains.<br>Reviewer Comment (2025-10-23): Received LOX, Property Detail Report, DOT. Provide Note to verify the mortgage lien is cross collateralization. Also, provide proof of borrower's payment for the most recent 6-months. Exception remains.<br>Reviewer Comment (2025-10-16): Received 12 months pay history reflects property address as xxxxxx, whereas the subject property address is xxxxxx. Also, provide the documents as requested on the original condition. Exception remains. |  |  | 10/29/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 845986 | xxxxxx | 34641870 | xxxxxx | 10/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-10-15): Received HUD/LDP search. Exception cleared.<br>Reviewer Comment (2025-10-13): Received OFAC and GSA search for settlement agent. Provide HUD/LDP search or updated Fraud report, fraud and OFAC search run on settlement agent, xxxxxx. Exception remains. | 10/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 846021 | xxxxxx | 34449973 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.74220% or Final Disclosure APR of 8.72600% is equal to or greater than the threshold of APOR 6.63% + 1.5%, or 8.13000%. Non-Compliant Higher Priced Mortgage Loan. | Appraisal delivery not provided |  | Reviewer Comment (2025-09-26): Evidence of appraisal delivery was provided. Loan confirmed as HPML Compliant | 09/26/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846021 | xxxxxx | 34449974 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation. | Appraisal provided is dated post closing. |  | Reviewer Comment (2025-09-19): Preclose appraisal provided | 09/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846021 | xxxxxx | 34449975 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Appraisal delivery not provided |  | Reviewer Comment (2025-09-26): Evidence of revised appraisal delivery was provided. | 09/26/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846021 | xxxxxx | 34449980 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $183,751.50 is over disclosed by $225.00 compared to the calculated Amount Financed of $183,526.50 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $183,751.50, however calculated Finance Charge is $183,526.50. Variance of $225 is due to Lender did not include the Appraisal Management Fee of $225. |  | Reviewer Comment (2025-11-12): SitusAMC received unexecuted RTC's. The unexecuted RTC's reflect a cancel by date of xxxxxx with no proof of delivery to borrower at least 3 business days prior to this date for proper reopening of rescission. SitusAMC is setting a separate tolling rescission exception to be cured when proper reopening of rescission is provided. SitusAMC previously received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing which was confirmed as being picked up by carrier to cure this violation.<br>Reviewer Comment (2025-11-10): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. The FedEx tracking does not reflect the package has been picked up by carrier yet and missing proof of reopening of rescission this material disclosure violation on a rescindable transaction. Provide proof of reopening of rescission to all consumers along with proof the FedEx tracking for the cure refund was picked up by carrier.<br>Reviewer Comment (2025-11-05): The description and list of services included in the lump sum $136 AMC fee outlined on the invoice include services that would fall under 4(c)(7) exclusion (cost of verifying or confirming information connected to the item such as quality audits) as well as non-4c7 type services related to appraiser selection, processing, and delivery. Commentary to 1026.4(c)(7) provides "if a lump sum charged for several services includes a charge that is not excludable, a portion of the total should be allocated to that service and included in the finance charge." If the AMC provides a breakdown or itemization of which portion of the AMC fee is allocated to verifying or confirming information connected to the appraisal, that portion can be excluded. Alternatively, based on SitusAMC's discussion with outside counsel, if the AMC service is primarily for verifying or confirming information connected to the appraisal, the entire amount can be excluded.<br>Reviewer Comment (2025-10-22): SitusAMC received compliance report and appraisal invoice confirming the AMC fee of $225. As previously stated, Finance charges are underdisclosed by $225 which appears to be related to the AMC fee of $225. The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. An attestation from lender of the services provided primarily in the AMC fee to determine if a finance charge or not.<br>Reviewer Comment (2025-09-24): SitusAMC received rebuttal on appraisal fees breakdown & AMC amt. Finance charges are underdisclosed by $225 which appears to be related to the AMC fee of $225. The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. |  | 11/12/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846021 | xxxxxx | 34449981 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $335,526.53 is under disclosed by $225.00 compared to the calculated Finance Charge of $335,751.53 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $335,526.53, however calculated Finance Charge is $335,751.53. Variance of $225 is due to Lender did not include the Appraisal Management Fee of $225. |  | Reviewer Comment (2025-11-12): SitusAMC received unexecuted RTC's. The unexecuted RTC's reflect a cancel by date of xxxxxx with no proof of delivery to borrower at least 3 business days prior to this date for proper reopening of rescission. SitusAMC is setting a separate tolling rescission exception to be cured when proper reopening of rescission is provided. SitusAMC previously received Corrected CD, LOE to borrower, copy of cure refund and proof of mailing which was confirmed as being picked up by carrier to cure this violation.<br>Reviewer Comment (2025-11-10): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. The FedEx tracking does not reflect the package has been picked up by carrier yet and missing proof of reopening of rescission this material disclosure violation on a rescindable transaction. Provide proof of reopening of rescission to all consumers along with proof the FedEx tracking for the cure refund was picked up by carrier.<br>Reviewer Comment (2025-11-05): The description and list of services included in the lump sum $136 AMC fee outlined on the invoice include services that would fall under 4(c)(7) exclusion (cost of verifying or confirming information connected to the item such as quality audits) as well as non-4c7 type services related to appraiser selection, processing, and delivery. Commentary to 1026.4(c)(7) provides "if a lump sum charged for several services includes a charge that is not excludable, a portion of the total should be allocated to that service and included in the finance charge." If the AMC provides a breakdown or itemization of which portion of the AMC fee is allocated to verifying or confirming information connected to the appraisal, that portion can be excluded. Alternatively, based on SitusAMC's discussion with outside counsel, if the AMC service is primarily for verifying or confirming information connected to the appraisal, the entire amount can be excluded.<br>Reviewer Comment (2025-10-22): SitusAMC received compliance report and appraisal invoice confirming the AMC fee of $225. As previously stated, Finance charges are underdisclosed by $225 which appears to be related to the AMC fee of $225. The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. An attestation from lender of the services provided primarily in the AMC fee to determine if a finance charge or not.<br>Reviewer Comment (2025-09-24): SitusAMC received rebuttal on appraisal fees breakdown & AMC amt. Finance charges are underdisclosed by $225 which appears to be related to the AMC fee of $225. The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. |  | 11/12/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846021 | xxxxxx | 34450364 | xxxxxx | 09/17/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Please provide the appraisal dated prior to closing. |  | Reviewer Comment (2025-09-19): Preclose appraisal provided | 09/19/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846021 | xxxxxx | 34486699 | xxxxxx | 09/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | The file reflects a CU Score of 1; however, the LCA Score is 3. A secondary appraisal is required. |  | Reviewer Comment (2025-09-24): Received CDA. Exception cleared. | 09/24/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846021 | xxxxxx | 34486700 | xxxxxx | 09/17/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Updated appraisal in file does not have PUD checked but the Security Instrument has PUD Rider checked and the Rider is in the file. |  | Reviewer Comment (2025-11-26): Exception cleared - Received evidence of delivery to borrower.<br>Reviewer Comment (2025-11-24): Received LOE and document from FedEx reflecting schedule of delivery. Provide updated document to reflect that the documents were delivered to borrower. Exception remains.<br>Reviewer Comment (2025-11-19): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-11-17): Received xxxxxx Affidavit and lender's letter of intent to record. Provide LOE to borrower, evidence of delivery to borrower. Exception remains.<br>Reviewer Comment (2025-11-10): Received Letter of Intent to re-record, received Mortgage is not acceptable, please provide Mortgage with the check-box for unchecked for PUD rider, the Mortgage needs to be re-executed by borrower. Provide LOE to borrower, evidence of delivery to borrower. Exception remains. | 11/26/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846021 | xxxxxx | 34513257 | xxxxxx | 09/19/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:53067 xxxxxx | Appraisal delivery not provided |  | Reviewer Comment (2025-09-26): Evidence of appraisal delivery was provided. Loan confirmed as HPML Compliant | 09/26/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846021 | xxxxxx | 34584422 | xxxxxx | 09/26/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2025-09-26): The client elects to waive.<br> Loan confirmed as HPML Compliant |  |  | 09/26/2025 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846021 | xxxxxx | 34962981 | xxxxxx | 11/12/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA Extended Rescission: Inaccurate material disclosures provided to borrower at consummation on a rescindable transaction resulting in extended rescission rights (3 years from consummation). Re-disclosure of accurate material disclosures, refund/adjustment, LOE, re-opening of rescission and proof of delivery required. |  | SitusAMC received unexecuted RTC's. The unexecuted RTC's reflect a cancel by date of xxxxxx with no proof of delivery to borrower at least 3 business days prior to this date for proper reopening of rescission. Separate tolling rescission exception is set. Provide proof of reopening of rescission to borrower and proof of delivery of RTC's at least 3 business days prior to the cancel by date. |  | Reviewer Comment (2025-12-03): Cure documentation provided.<br>Reviewer Comment (2025-11-30): The RTC forms received are not executed. Executed RTCs required. Transaction date must remain the same, and right to cancel date must be at least 3 business days after new RTC is executed.<br>Reviewer Comment (2025-11-19): No new documents received. Please try uploading again. |  | 12/03/2025 |  | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct notice of rescission model form (If corresponding material disclosure exception has not been sufficiently cured, LOE, refund/adjustment, corrected TIL/CD, and proof of delivery required to cure material disclosure exception as applicable). B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846138 | xxxxxx | 34477525 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report is missing. Must contain all participants. |  | Reviewer Comment (2025-09-23): Received full Fraud report. Exception cleared. | 09/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846138 | xxxxxx | 34477528 | xxxxxx | 09/22/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2025-10-06): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared.<br>Reviewer Comment (2025-10-03): Received Fraud and OFAC however still the seller Authorized Signatory, xxxxxx is missing. Exception remains.<br>Reviewer Comment (2025-09-23): Received Fraud report and OFAC search for borrower, however, the Seller Authorized Signatory, xxxxxx is missing. Exception remains. | 10/06/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846138 | xxxxxx | 34477530 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  | Reviewer Comment (2025-09-23): Received Purchase Agreement. Exception cleared. | 09/23/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846138 | xxxxxx | 34477532 | xxxxxx | 09/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for xxxxxx less than 500 sq. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-09-21): Client elects to waive with verified compensation factors |  |  | 09/21/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846138 | xxxxxx | 34477552 | xxxxxx | 09/22/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First time investors must have a DSCR > 1.00 and own a primary residence. DSCR is < 1.00 and borrower does own a primary residence. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-09-21): Client elects to waive with verified compensation factors |  |  | 09/21/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846138 | xxxxxx | 34515735 | xxxxxx | 09/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for property is a xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-09-21): Client elects to waive with verified compensation factors |  |  | 09/21/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846138 | xxxxxx | 34515737 | xxxxxx | 09/22/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Per guidelines, on a purchase, if the property is Tenant Occupied, the 1007 must reflect the actual rents. Must be within 120% of the estimated rents. |  | Reviewer Comment (2025-11-04): Client email accepting appraisal as-is noting no occupancy issue and appraisal comments are for occupancy at time of closing vs. post occupancy. Requested clearance.<br>Reviewer Comment (2025-11-03): The comments made do not indicate anything as to whether the current borrower is occupying the property. It just notes the lender had them update to owner occupied.<br>Reviewer Comment (2025-10-08): There is no evidence the property's family was occupying the property. Further, if you review the 1007, which was updated post-close, it says the subject is "currently" OO.<br>Reviewer Comment (2025-10-02): The appraisal was updated to reflect OO but is dated post-close. It is not clear if this is based off occupancy of our borrower or previous property seller. OO is a violation of DSCR. The appraiser did not make any comments or provide an addendum regarding updates. | 11/04/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846160 | xxxxxx | 34639002 | xxxxxx | 10/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception: ITIN borrowers who do not own a primary residence in the xxxxxx are ineligible. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-10-06): Client elects to waive with verified compensation factors |  |  | 10/06/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 846160 | xxxxxx | 34655482 | xxxxxx | 10/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National | Borrower: xxxxxx | Automatic Payment Authorization (ACH) Form is required for all foreign national borrower's. Document in file is executed by borrower but the form was not completed. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-10-09): Client elects to waive with verified compensation factors |  |  | 10/09/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 846160 | xxxxxx | 34655858 | xxxxxx | 10/08/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Borrower is a xxxxxx ITIN currently renting in the xxxxxx. 12 month housing history required. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-10-09): Client elects to waive with verified compensation factors |  |  | 10/09/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 846160 | xxxxxx | 34687240 | xxxxxx | 10/09/2025 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-10-09): Client elects to waive with verified compensation factors |  |  | 10/09/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 846415 | xxxxxx | 34533862 | xxxxxx | 09/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide the OA or Borrowing Cert. |  | Reviewer Comment (2025-09-30): Per client email, accepting the UC in lieu of OA or Borrowing Cert noting it supports sole authority. | 09/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 846415 | xxxxxx | 34541162 | xxxxxx | 09/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Title policy reflects xxxxxx in City Taxes and xxxxxx for Document Tax. Per title and tax cert, taxes are due and delinquent for a total of xxxxxx for City. Document tax of xxxxxx and City taxes of xxxxxx paid on Final CD only. |  | Reviewer Comment (2025-10-02): Updated tax cert provided stating $0 due for taxes as of xxxxxx  | 10/02/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 846415 | xxxxxx | 34593347 | xxxxxx | 09/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Page 1 of the DOT reflects xxxxxx vs. xxxxxx. Provide the corrected DOT or xxxxxx affidavit, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-10-08): LOE to borrower and evidence of delivery provided<br>Reviewer Comment (2025-10-07): Received xxxxxx Affidavit with evidence of recording. Pending receipt of LOE to borrower and evidence of delivery to the borrower. | 10/08/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 846417 | xxxxxx | 34534209 | xxxxxx | 09/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide the OA or Borrowing Cert |  | Reviewer Comment (2025-09-30): Per client email, accepting the UC in lieu of OA or Borrowing Cert due to support of sole authority.<br>Reviewer Comment (2025-09-30): Received Corporate Resolution which was already in file. Provide Operating Agreement or Borrowing Cert. Exception remains. | 09/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 846417 | xxxxxx | 34541326 | xxxxxx | 09/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Title policy reflects xxxxxx in City Taxes and xxxxxx for Document Tax. Per title and tax cert, taxes are due and delinquent for a total of xxxxxx for City. Document Tax of xxxxxx and City of xxxxxx paid on Final CD only. |  | Reviewer Comment (2025-09-30): Updated tax cert provided reflecting $0 due as of xxxxxx . | 09/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 846474 | xxxxxx | 34489674 | xxxxxx | 09/23/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-09-24): Received Business Purpose Certificate. Exception cleared. | 09/24/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846474 | xxxxxx | 34489675 | xxxxxx | 09/23/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Must be signed at closing and as an individual. |  | Reviewer Comment (2025-09-24): Received executed copy of Guarantor Agreement signed at closing & as an Individual. Exception cleared. | 09/24/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846474 | xxxxxx | 34531144 | xxxxxx | 09/23/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | LOE from borrower is not acceptable for the OA. The Articles of Formation reflect xxxxxx as the registered agent. If the Borrowing Entity is owned by another business or the other business is a member of the Borrowing entity, then all of the entity documents for that entity will need to be provided. If not, then the Borrowing Cert will be required. |  | Reviewer Comment (2025-09-25): Received corporate resolution. Exception cleared. | 09/25/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846474 | xxxxxx | 34531784 | xxxxxx | 09/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The LLC designation for the business is not on any of the signature lines on the documents in file. (Note, PPP addendum to the Note, DOT + Riders, BP cert, Occ Cert, etc). Corrected and executed documents required, along with LOE to borrower, evidence of delivery to borrower and lender's LOI. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-15): Condition cannot be cleared. Acknowledgment of Receipt of CD just accepting receipt of the CD vs all other corrected documents. LOE to borrower and evidence of delivery to borrower of all corrected documents is required.<br>Reviewer Comment (2025-10-09): Received re-executed and corrected 1003, Occ Cert, BP cert, Loan Agreement, Note, PPP to the Note, DOT + Riders and intent to re-record on DOT. Pending receipt of LOE to borrower and evidence of delivery to the borrower. |  |  | 10/16/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846733 | xxxxxx | 34656272 | xxxxxx | 10/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-10-13): UDM provided | 10/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846733 | xxxxxx | 34656709 | xxxxxx | 10/09/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Non-Compliant | xxxxxx Subprime Loan: APR on subject loan of 9.04250% or Final Disclosure APR of 9.06200% is in excess of allowable threshold of Prime Mortgage Market Rate 6.58000 + 1.75%, or 8.33000%. Non-Compliant SubPrime Loan. |  |  | Reviewer Comment (2025-10-08): Client elects to waive |  |  | 10/08/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846733 | xxxxxx | 34656726 | xxxxxx | 10/09/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.77 is less than Guideline PITIA months reserves of 3.00. | Available assets $242,483.85 minus cash from borrower $236,879.22 = Available for reserves $5,604.63 or 0.68 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-12-15): Waived with compensating factors per client direction<br>Reviewer Comment (2025-12-11): Ending balance on xxxxxx (date of consummation) is $27,762.23, which results in 2.77 months' reserves and does not meet guideline requirement of 3 months.<br>Reviewer Comment (2025-12-11): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 1.67 is less than Guideline PITIA months reserves of 3.00.<br>Reviewer Comment (2025-11-28): Evidence of appraisal POC and additional asset statement received for account ending in xxxxxx; however, file is still short the required 3 months reserves. The statement for account xxxxxx is unable to be considered, as it is dated post-consummation date of xxxxxx .<br>Reviewer Comment (2025-11-28): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 0.68 is less than Guideline PITIA months reserves of 3.00.<br>Reviewer Comment (2025-10-30): The file contains bank statement till xxxxxx for the account xxxxxx. Provide additional bank statements to verify if the account was utilized for fund to close. All large deposit must be sourced. Exception remains.<br>Reviewer Comment (2025-10-27): xxxxxx screen shots are not acceptable as there are no dates. Also, 1 month statement required. Account xxxxxx end date is post close and cannot be considered. 9/17-9/24 can be considered, however is < 1 month and balance at this po0int is only $702.28.<br>Reviewer Comment (2025-10-10): Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the final CD. |  |  | 12/15/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846733 | xxxxxx | 34656750 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to short funds for reserves. |  | Reviewer Comment (2025-12-15): Loan is Non-QM.<br>Reviewer Comment (2025-10-30): A post-close bank statement cannot be considered.<br>Reviewer Comment (2025-10-27): xxxxxx screen shots are not acceptable as there are no dates. Also, 1 month statement required. Account xxxxxx end date is post close and cannot be considered. 9/17-9/24 can be considered, however is < 1 month and balance at this po0int is only $702.28.<br>Reviewer Comment (2025-10-10): Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the final CD. | 12/15/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846733 | xxxxxx | 34656751 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Short funds for reserves. |  | Reviewer Comment (2025-12-15): Loan is Non-QM.<br>Reviewer Comment (2025-10-30): A post-close bank statement cannot be considered.<br>Reviewer Comment (2025-10-27): xxxxxx screen shots are not acceptable as there are no dates. Also, 1 month statement required. Account xxxxxx end date is post close and cannot be considered. 9/17-9/24 can be considered, however is < 1 month and balance at this po0int is only $702.28.<br>Reviewer Comment (2025-10-10): Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the final CD. | 12/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846733 | xxxxxx | 34674970 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.04250% or Final Disclosure APR of 9.06200% is equal to or greater than the threshold of APOR 6.61% + 1.5%, or 8.11000%. Non-Compliant Higher Priced Mortgage Loan. | Verification appraisal was delivered to borrower at least 3 business days prior to closing was not provided. |  | Reviewer Comment (2025-10-10): Appraisal acknowledgment provided | 10/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846733 | xxxxxx | 34674972 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Verification appraisal was delivered to borrower at least 3 business days prior to closing was not provided. |  | Reviewer Comment (2025-10-10): Appraisal acknowledgment provided | 10/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846733 | xxxxxx | 34675264 | xxxxxx | 10/09/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Provide the final stamped settlement statement for the sold property on xxxxxx. Seller CD provided had figures written in for payoff of mortgage lien and cash to close which is not acceptable. |  | Reviewer Comment (2025-11-20): Received executed Seller CD. Exception cleared.<br>Reviewer Comment (2025-10-27): The investor has not provided an exception for this. Altered documents are not acceptable. If what is listed in the condition cannot be provided, the investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-10-13): The document provided is not acceptable as altered figures are not acceptable. Provide the final stamped settlement statement from the title company. | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846733 | xxxxxx | 34675360 | xxxxxx | 10/09/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Subprime Loan (Counseling Disclosure Not Provided within Three Days of Application) | xxxxxx Subprime Loan: Counseling Disclosure not provided to borrower within three days of application. | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-10-08): Client elects to waive |  |  | 10/08/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846753 | xxxxxx | 34988521 | xxxxxx | 11/14/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Provide evidence of when the property listing was cancelled. Appraisal states withdrawn as of xxxxxx with initial list price of xxxxxx. CDA reflects property is still listed for sale with an active list price of xxxxxx (in which the lender also utilized to qualify). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-31): Waived with compensating factors per investor direction.<br>Reviewer Comment (2025-12-26): Please provide MLS listing reflecting complete listing/withdrawal history for subject property. The CDA provided in trailing docs reflects listing withdrawn xxxxxx ; however, the original CDA provided reflects property was re-listed on xxxxxx for xxxxxx and this was the value used by Lender to calculate LTV.<br>Reviewer Comment (2025-12-16): Please provide MLS listing reflecting complete listing/withdrawal history for subject property. The CDA provided in trailing docs reflects listing withdrawn xxxxxx ; however, the original CDA provided reflects property was re-listed on xxxxxx for xxxxxx and this was the value used by Lender to calculate LTV. |  |  | 12/31/2025 | 2 C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846814 | xxxxxx | 34574373 | xxxxxx | 09/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Approval for xxxxxx market score of 56 which is less than minimum 60 score we need as per guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement. | Reviewer Comment (2025-09-30): Client elects to waive with verified compensation factors |  |  | 09/30/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846814 | xxxxxx | 34574409 | xxxxxx | 09/30/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Address on Desk Review is xxxxxx, however on note subject address is xxxxxx |  | Reviewer Comment (2025-10-15): Updated CDA provided | 10/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846814 | xxxxxx | 34574414 | xxxxxx | 09/30/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Address on Appraisal Report is xxxxxx, however on note subject address is xxxxxx |  | Reviewer Comment (2025-10-07): Updated appraisal provided<br>Reviewer Comment (2025-10-06): The same appraisal was provided that was in file at time of review. The address as not updated | 10/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846814 | xxxxxx | 34574432 | xxxxxx | 09/30/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Address on Hazard Insurance is xxxxxx, however on note subject address is xxxxxx |  | Reviewer Comment (2025-10-06): Received corrected Hazard Insurance Policy. Exception cleared. | 10/06/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846814 | xxxxxx | 34591825 | xxxxxx | 09/30/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal does not have subject property interior / exterior photos nor comparable photos. Also the appraiser's signature is missing. |  | Reviewer Comment (2025-10-03): Complete appraisal provided<br>Reviewer Comment (2025-10-03): No new documents uploaded please try uploading again. Exception Remains. | 10/03/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D B A |  | N/A | No | Property Focused |
| xxxxxx | 846878 | xxxxxx | 34332195 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (xxxxxx/Schedule C) | Schedule C: Self-Employed Borrowers:<br> Existence of the borrower's business is to be verified within 90 days prior to the Note date, through one of the following:<br> • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or<br> • Internet screenshot displaying the phone listing and address verification of the borrower's business, or<br> • A business bank statement dated within 90 days of the Note date for income used in qualification |  | Reviewer Comment (2025-10-16): Investor requested removal of income from qualifying and accepting higher DTI which is allowed per guidelines with residual income requirements. Condition no longer applies.<br>Reviewer Comment (2025-10-15): The same documents were provided that were in file at time of review. All documents are dated post close. The filing date of the entity is not verification of SE within 90 days. And the documents provided are not for the Schedule C business xxxxxx.<br>Reviewer Comment (2025-10-14): All the documents provided are dated post close. The filing date for the business is xxxxxx. Further, the documentation provided is not for the Schedule C business of xxxxxx which is what the original conduction is in reference to.<br>Reviewer Comment (2025-10-09): The documentation provided is dated 3 years post-close and not acceptable.<br>Reviewer Comment (2025-10-09): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-09-23): The documents provided are for the partnership business. Per original condition, this is for the Schedule C for xxxxxx. | 10/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846878 | xxxxxx | 34332214 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Schedule C: Self-Employed Borrowers:<br> Existence of the borrower's business is to be verified within 90 days prior to the Note date, through one of the following:<br> • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or<br> • Internet screenshot displaying the phone listing and address verification of the borrower's business, or<br> • A business bank statement dated within 90 days of the Note date for income used in qualification |  | Reviewer Comment (2025-10-16): Investor requested removal of income from qualifying and accepting higher DTI which is allowed per guidelines with residual income requirements. Condition no longer applies.<br>Reviewer Comment (2025-10-15): The same documents were provided that were in file at time of review. All documents are dated post close. The filing date of the entity is not verification of SE within 90 days. And the documents provided are not for the Schedule C business xxxxxx.<br>Reviewer Comment (2025-10-14): All the documents provided are dated post close. The filing date for the business is xxxxxx. Further, the documentation provided is not for the Schedule C business of xxxxxx which is what the original conduction is in reference to.<br>Reviewer Comment (2025-10-09): The documentation provided is dated 3 years post-close and not acceptable.<br>Reviewer Comment (2025-10-09): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-09-23): The documents provided are for the partnership business. Per original condition, this is for the Schedule C for xxxxxx. | 10/16/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846878 | xxxxxx | 34332215 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Schedule C: Self-Employed Borrowers:<br> Existence of the borrower's business is to be verified within 90 days prior to the Note date, through one of the following:<br> • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or<br> • Internet screenshot displaying the phone listing and address verification of the borrower's business, or<br> • A business bank statement dated within 90 days of the Note date for income used in qualification |  | Reviewer Comment (2025-10-16): Investor requested removal of income from qualifying and accepting higher DTI which is allowed per guidelines with residual income requirements. Condition no longer applies.<br>Reviewer Comment (2025-10-14): All the documents provided are dated post close. The filing date for the business is xxxxxx. Further, the documentation provided is not for the Schedule C business of xxxxxx which is what the original conduction is in reference to.<br>Reviewer Comment (2025-10-09): The documentation provided is dated 3 years post-close and not acceptable.<br>Reviewer Comment (2025-09-23): The documents provided are for the partnership business. Per original condition, this is for the Schedule C for xxxxxx. | 10/16/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846878 | xxxxxx | 34332218 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $494.00 exceeds tolerance of $440.00 plus 10% or $484.00. Insufficient or no cure was provided to the borrower. xxxxxx | 10% fee violation due to an increase in the Recording fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $54.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-09-23): Client elects to waive |  |  | 09/23/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846878 | xxxxxx | 34332221 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $185.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) | Survey Fee was not disclosed on the Loan Estimate, but was disclosed as $185.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $185.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-09-23): SitusAMC received comment regarding survey and the survey was not require by lender. | 09/23/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846878 | xxxxxx | 34332222 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx |  | Reviewer Comment (2025-09-30): PDI received<br>Reviewer Comment (2025-09-23): A PDI was already requested and ordered. Please avoid duplicating requests as this may result in a duplicate order being placed.<br>Reviewer Comment (2025-09-23): PDI will be ordered<br>Reviewer Comment (2025-09-22): Being a scratch and dent has no bearing on if a PDI is required or guideline requirements (which also require a PDI prior to purchase). A PDI will be required or investor can elect to waive with verified compensation factors. | 09/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846878 | xxxxxx | 34347365 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $2,917.74 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7591) | COC states program changed from ARM to Fixed which not add an xxxxxx fee. |  | Reviewer Comment (2025-09-23): Client elects to waive |  |  | 09/23/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846878 | xxxxxx | 34347386 | xxxxxx | 09/05/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Schedule C: Self-Employed Borrowers:<br> Existence of the borrower's business is to be verified within 90 days prior to the Note date, through one of the following:<br> • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or<br> • Internet screenshot displaying the phone listing and address verification of the borrower's business, or<br> • A business bank statement dated within 90 days of the Note date for income used in qualification |  | Reviewer Comment (2025-10-16): Investor requested removal of income from qualifying and accepting higher DTI which is allowed per guidelines with residual income requirements. Condition no longer applies.<br>Reviewer Comment (2025-10-15): The same documents were provided that were in file at time of review. All documents are dated post close. The filing date of the entity is not verification of SE within 90 days. And the documents provided are not for the Schedule C business xxxxxx.<br>Reviewer Comment (2025-10-14): All the documents provided are dated post close. The filing date for the business is xxxxxx. Further, the documentation provided is not for the Schedule C business of xxxxxx which is what the original conduction is in reference to.<br>Reviewer Comment (2025-10-09): The documentation provided is dated 3 years post-close and not acceptable.<br>Reviewer Comment (2025-10-09): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-09-23): The documents provided are for the partnership business. Per original condition, this is for the Schedule C for xxxxxx. | 10/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846878 | xxxxxx | 34347392 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Schedule C: Self-Employed Borrowers:<br> Existence of the borrower's business is to be verified within 90 days prior to the Note date, through one of the following:<br> • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or<br> • Internet screenshot displaying the phone listing and address verification of the borrower's business, or<br> • A business bank statement dated within 90 days of the Note date for income used in qualification |  | Reviewer Comment (2025-10-16): Investor requested removal of income from qualifying and accepting higher DTI which is allowed per guidelines with residual income requirements. Condition no longer applies.<br>Reviewer Comment (2025-10-15): The same documents were provided that were in file at time of review. All documents are dated post close. The filing date of the entity is not verification of SE within 90 days. And the documents provided are not for the Schedule C business xxxxxx.<br>Reviewer Comment (2025-10-14): All the documents provided are dated post close. The filing date for the business is xxxxxx. Further, the documentation provided is not for the Schedule C business of xxxxxx which is what the original conduction is in reference to.<br>Reviewer Comment (2025-10-09): The documentation provided is dated 3 years post-close and not acceptable.<br>Reviewer Comment (2025-10-09): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-09-23): The documents provided are for the partnership business. Per original condition, this is for the Schedule C for xxxxxx. | 10/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846878 | xxxxxx | 34533358 | xxxxxx | 09/23/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Post Disaster Inspection + xxxxxx - 2 Days |  | Reviewer Comment (2025-09-30): PDI received<br>Reviewer Comment (2025-09-30): Valuation Received - xxxxxx  | 09/30/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846879 | xxxxxx | 34332322 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2025-09-24): Received Fraud Report. Exception cleared. | 09/24/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846879 | xxxxxx | 34332335 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $344.85 exceeds tolerance of $115.00. Insufficient or no cure was provided to the borrower. (75208) | Verification Fee was last disclosed as $115.00 on the Loan Estimate, but was disclosed as $344.85 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $229.85, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-09-23): Client elects to waive |  |  | 09/23/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846879 | xxxxxx | 34332336 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $475.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75215) | HOA/Condo Questionnaire Fee was not disclosed on the Loan Estimate, but was disclosed as $475.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $475.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-09-23): Client elects to waive |  |  | 09/23/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846879 | xxxxxx | 34332337 | xxxxxx | 09/05/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Unit number is missing on the flood certificate. |  | Reviewer Comment (2025-10-07): Updated flood cert provided | 10/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846879 | xxxxxx | 34332338 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx |  | Reviewer Comment (2025-09-24): PDI received dated xxxxxx: No Damage<br>Reviewer Comment (2025-09-23): PDI will be ordered<br>Reviewer Comment (2025-09-22): Being a scratch and dent has no bearing on PDI requirements or guidelines (which also require a PDI prior to purchase). Investor can elect to waive with verified compensation factors. | 09/24/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846879 | xxxxxx | 34347578 | xxxxxx | 09/05/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing. Sec ID: 36 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-10-08): BPO provided<br>Reviewer Comment (2025-10-07): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-09-22): A PDR is not an acceptable secondary valuation or does it provide any values. | 10/08/2025 |  |  | 1 D A B C | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846879 | xxxxxx | 34347723 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 4,246.00 on Final Closing Disclosure provided on xxxxxx are overdisclosed. (Final xxxxxx) | Per the xxxxxx Property Data Report, monthly HOA dues are $325. Non-escrowed property costs $3,900. |  | Reviewer Comment (2025-09-23): Client elects to waive |  |  | 09/23/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846879 | xxxxxx | 34347728 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | Borrower was charged $475 on the Final CD for a condo questionnaire. |  | Reviewer Comment (2025-09-25): Received condo questionnaire. Exception cleared. | 09/25/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846879 | xxxxxx | 34533364 | xxxxxx | 09/23/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Post Disaster Inspection + xxxxxx - 2 Days |  | Reviewer Comment (2025-09-24): PDI received<br>Reviewer Comment (2025-09-24): Valuation Received - xxxxxx  | 09/24/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846879 | xxxxxx | 34678619 | xxxxxx | 10/08/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. No supporting secondary valuation with effective date within 12 months of note date was provided. A supporting secondary valuation with effective date between 12 and 24 months past note date was provided. Sec ID: 270 | Note date: xxxxxx; Lien Position: 1 | A current BPO dated xxxxxx was provided, however a Retro / Recon BPO needs to be provided based loan closing of xxxxxx . |  | Reviewer Comment (2025-10-20): A Retro BPO was provided. | 10/20/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846879 | xxxxxx | 34765263 | xxxxxx | 10/20/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30 | Note date: xxxxxx; Lien Position: 1 |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-20): The client elects to waive. |  |  | 10/20/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847227 | xxxxxx | 34478655 | xxxxxx | 08/28/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 647 is less than Guideline representative FICO score of 660. | FICO score 647 does not meet minimum guideline requirement 660. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-08-28): Waived with compensating factors per lender exceptions approval at origination. |  |  | 08/28/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 847227 | xxxxxx | 34478656 | xxxxxx | 08/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Condo investor concentration 75.52% exceeds 60%l. Lender exception in file. Compensating factors: DSCR and reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-08-28): Waived with compensating factors per lender exceptions approval at origination. |  |  | 08/28/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 847227 | xxxxxx | 34478658 | xxxxxx | 08/28/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD-1 in file is not legible. |  | Reviewer Comment (2025-09-08): Final HUD received | 09/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 847231 | xxxxxx | 34478688 | xxxxxx | 09/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. |  | Reviewer Comment (2025-09-15): cleared with final SS. | 09/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 847231 | xxxxxx | 34478689 | xxxxxx | 09/10/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is required for all parties involved in the transaction. OFAC is missing business entity. |  | Reviewer Comment (2025-09-15): Cleared with Fraud Report. | 09/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 847231 | xxxxxx | 34478690 | xxxxxx | 09/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing Certificate of Good Standing dated within 90 days of the Note date. |  | Reviewer Comment (2025-09-15): cleared with fraud report/ofac. | 09/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 847396 | xxxxxx | 34794075 | xxxxxx | 10/30/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification | Provide HOA statement. |  | Reviewer Comment (2025-11-03): Received LOE from borrower that this property is not subject to any HOA dues or fees. Exception cleared. | 11/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847396 | xxxxxx | 34794083 | xxxxxx | 10/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-11-07): Received Credit Report - Gap. Exception cleared. | 11/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847396 | xxxxxx | 34794098 | xxxxxx | 10/30/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Proof of Ownership | Provide proof of ownership of business, xxxxxx. |  | Reviewer Comment (2025-11-03): Shareholder agreement provided | 11/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847396 | xxxxxx | 34794141 | xxxxxx | 10/30/2025 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Investor approval in file for NSF. Per guidelines, 5 NSF are allowed in most recent 12 months, however there are 9 NSF. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-29): The client elects to waive |  |  | 10/29/2025 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847396 | xxxxxx | 34794177 | xxxxxx | 10/30/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. |  |  | Reviewer Comment (2025-12-18): Investor accepting xxxxxx. SOL xxxxxx<br>Reviewer Comment (2025-11-25): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.<br>Reviewer Comment (2025-11-21): SitusAMC received rebuttal that product remained as 30 year fixed rate. However, on 10-31 the product did change from Int Only 10 year with 30 year amortization to removing that Int Only product and thus this is a change in product that does require the borrower to review for the 3 business day waiting period. That there was an improvement in either APR does not override that there was a change in product that TRID regulations require a waiting period for borrower prior to closing. As previously noted, xxxxxx was a national holiday and does not count as a received day. The final receipt day would be xxxxxx for changes.<br>Reviewer Comment (2025-11-17): xxxxxx was a national holiday and does not count as a received day. The final receipt day would be xxxxxx for changes. The difference between the APR on the xxxxxx CD and the APR on the final CD is .125%, or out of tolerance.<br>Reviewer Comment (2025-11-10): SitusAMC received xxxxxx CD and xxxxxx. However, xxxxxx CE was not received 3 or more days prior to closing on xxxxxx This is a timing issue with no visible cure per current loan file.<br>Reviewer Comment (2025-11-06): SitusAMC: the product changed from 10-year interest only, fixes to Fixed rate between initial CD to Final CD and received 3 business days prior to consummation date. Provide any missing CD with valid COC for the product change in ordered to reevaluate and re-baseline this exception. |  |  | 12/18/2025 | 3 C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847396 | xxxxxx | 34794215 | xxxxxx | 10/30/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. |  |  | Reviewer Comment (2025-11-04): Updated bank statement provided<br>Reviewer Comment (2025-11-03): Shareholder agreement provided which reflects borrower is only 50% owner. Reduced assets to ownership %. Borrower has insufficient reserves.<br>Reviewer Comment (2025-11-03): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 0.87 is less than Guideline PITIA months reserves of 3.00. | 11/04/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847396 | xxxxxx | 34821013 | xxxxxx | 10/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Need evidence of borrower's ownership interest and access to funds. |  | Reviewer Comment (2025-11-03): Shareholder agreement provided | 11/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847396 | xxxxxx | 34879942 | xxxxxx | 11/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Insufficient reserves and income documentation and excessive DTI |  | Reviewer Comment (2025-11-05): LOE from employer provided which verifies all information requested in the guidelines when direct from the employer. | 11/05/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847396 | xxxxxx | 34879943 | xxxxxx | 11/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves and income documentation and excessive DTI |  | Reviewer Comment (2025-11-04): Additional invoices provided for deposits into bank account that are allowed to be added back as they were for business generated income. DTI is now within guidelines. | 11/04/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847396 | xxxxxx | 34879945 | xxxxxx | 11/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Insufficient reserves and income documentation and excessive DTI |  | Reviewer Comment (2025-11-05): LOE from employer provided which verifies all information requested in the guidelines when direct from the employer. | 11/05/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847396 | xxxxxx | 34879948 | xxxxxx | 11/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx/Bank Statements) | Provide proof of ownership of business, xxxxxx. |  | Reviewer Comment (2025-11-03): Shareholder Agreement provided | 11/03/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847396 | xxxxxx | 34879949 | xxxxxx | 11/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) | VVOE dated within 10 business days prior to closing not provided |  | Reviewer Comment (2025-11-05): LOE from employer provided which verifies all information requested in the guidelines when direct from the employer. | 11/05/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847396 | xxxxxx | 34882785 | xxxxxx | 11/03/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 52.35416% exceeds Guideline total debt ratio of 50.00000%. | Shareholder Agreement provided post review. Borrower is only 50% owner of business. Updating ownership %, the DTI exceeds guidelines. |  | Reviewer Comment (2025-11-04): Additional invoices provided for deposits into bank account that are allowed to be added back as they were for business generated income. DTI is now within guidelines. | 11/04/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847396 | xxxxxx | 34882791 | xxxxxx | 11/03/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 52.35416% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Shareholder Agreement provided post review. Borrower is only 50% owner of business. Updating ownership %, the DTI exceeds guidelines. |  | Reviewer Comment (2025-11-04): Additional invoices provided for deposits into bank account that are allowed to be added back as they were for business generated income. DTI is now within guidelines. | 11/04/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847559 | xxxxxx | 34531659 | xxxxxx | 09/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | OA in file is not executed. |  | Reviewer Comment (2025-10-06): Received Operating Agreement. Exception cleared. | 10/06/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 847559 | xxxxxx | 34591167 | xxxxxx | 09/29/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Investor exception to allow xxxxxx-unit for first time investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-29): Client elects to waive with verified compensation factors |  |  | 09/29/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 847587 | xxxxxx | 34532037 | xxxxxx | 09/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  | Reviewer Comment (2025-10-29): Received Certificate of Good Standing. Exception cleared. | 10/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 847587 | xxxxxx | 34532038 | xxxxxx | 09/29/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Citizenship Affidavit not provided |  | xxxxxx Purchases: Loans secured by property located in the state of xxxxxx made to foreign principals, persons, and entities are to include one of the following Affidavits published by the xxxxxx:<br> o Conveyances to Foreign Entities – By Individual Buyer<br> o Conveyances to Foreign Entities – By Entity Buyer |  | Reviewer Comment (2025-10-10): Received Citizenship Affidavit. Exception cleared. | 10/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 847587 | xxxxxx | 34532047 | xxxxxx | 09/29/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Please provide currency converter for foreign bank statement account# xxxxxx |  | Reviewer Comment (2025-10-10): Received currency converter. Exception cleared. | 10/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 847587 | xxxxxx | 34532062 | xxxxxx | 09/29/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-10-10): FTP provided | 10/10/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 847587 | xxxxxx | 34532073 | xxxxxx | 09/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-10-10): Received authorized signor for seller, xxxxxx. Exception cleared. | 10/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 847587 | xxxxxx | 34574407 | xxxxxx | 09/29/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Hazard insurance shows City as xxxxxx and Note has xxxxxx. |  | Reviewer Comment (2025-10-29): Received updated HOI policy with correct city name. Exception cleared. | 10/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 847587 | xxxxxx | 34574412 | xxxxxx | 09/29/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate shows City as xxxxxx and Note has xxxxxx. |  | Reviewer Comment (2025-10-30): An updated Flood Cert was provided. | 10/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 847587 | xxxxxx | 34574416 | xxxxxx | 09/29/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal shows City as xxxxxx and Note has xxxxxx. |  | Reviewer Comment (2025-10-30): A corrected appraisal with the city name changed was provided. | 10/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 847587 | xxxxxx | 34590624 | xxxxxx | 09/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: xxxxxx vs. xxxxxx |  | Reviewer Comment (2025-10-10): Update FTP provided | 10/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 847696 | xxxxxx | 34575662 | xxxxxx | 10/01/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership and ownership % in xxxxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-13): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-09): Received Articles of Organization is not acceptable to verify the ownership percentage of the business. Kindly provide Operating agreement or CPA letter. Exception remains. |  |  | 10/13/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 847697 | xxxxxx | 34727354 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $586.75 exceeds tolerance of $520.00 plus 10% or $572.00. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-10-14): Sufficient Cure Provided At Closing |  | 10/14/2025 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847697 | xxxxxx | 34727355 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for AVM Fee. Fee Amount of $115.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7514) |  |  | Reviewer Comment (2025-10-14): Sufficient Cure Provided At Closing |  | 10/14/2025 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847697 | xxxxxx | 34727358 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt. |  | Reviewer Comment (2025-10-22): SitusAMC received initial CD dated xxxxxx . | 10/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847697 | xxxxxx | 34744876 | xxxxxx | 10/17/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: AVM / Valuation Report date: xxxxxx | AVM has xxxxxx in address and the Note does not. |  | Reviewer Comment (2025-11-18): ARR provided with correct address which is a higher tiered product and supersedes AVM.<br>Reviewer Comment (2025-11-07): The additional AVM provided for xxxxxx has a corrected address, however the FSD score does not meet guidelines (max 0.10 and FSD is 0.11).<br>Reviewer Comment (2025-10-28): The address needs to match. If the AVM cannot be updated, then xxxxxx will need to consider waiving with verified compensation factors. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847697 | xxxxxx | 34745563 | xxxxxx | 10/17/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-16): Client elects to waive |  |  | 10/16/2025 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847919 | xxxxxx | 34912709 | xxxxxx | 10/01/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note date: xxxxxx; Lien Position: 1 | Appraisal provided is not for the subject property. |  | Reviewer Comment (2025-10-07): Received 1004 Appraisal. Exception Cleared. | 10/07/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 847919 | xxxxxx | 34912710 | xxxxxx | 10/01/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | credit report on borrower is missing. The credit report provided is for a different borrower. |  | Reviewer Comment (2025-10-07): Received Fraud Report. Exception Cleared. | 10/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 847919 | xxxxxx | 34912711 | xxxxxx | 10/01/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | Fraud report or OFAC report is missing |  | Reviewer Comment (2025-10-07): Received Fraud report with OFAC. Exception Cleared. | 10/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 847919 | xxxxxx | 34912712 | xxxxxx | 10/01/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Title Evidence that was provided belongs to a different property. |  | Reviewer Comment (2025-10-07): Received Title Commitment. Exception Cleared. | 10/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 847919 | xxxxxx | 34912713 | xxxxxx | 10/01/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx<br> Disaster End date: xxxxxx | The subject property is located in a FEMA Disaster area provide A post disaster inspection verifying there was no damage to the subject property is required . |  | Reviewer Comment (2025-10-08): Received Post disaster Inspection. Exception Cleared. | 10/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 847919 | xxxxxx | 34912714 | xxxxxx | 10/01/2025 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Final title policy is missing in loan file |  | Reviewer Comment (2025-10-14): Received. Cleared. | 10/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 847919 | xxxxxx | 34912715 | xxxxxx | 10/01/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report is missing. Credit Report provided belongs to a different borrower. |  | Reviewer Comment (2025-10-07): Received Credit Report. Exception Cleared. | 10/07/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 847919 | xxxxxx | 34912716 | xxxxxx | 10/01/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC report is missing |  | Reviewer Comment (2025-10-07): Received Fraud report with OFAC. Exception Cleared. | 10/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 847919 | xxxxxx | 34912717 | xxxxxx | 10/01/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal is missing. Appraisal provided belongs to a different property. |  | Reviewer Comment (2025-10-07): Received 1004 Appraisal. Exception Cleared. | 10/07/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 847919 | xxxxxx | 34912718 | xxxxxx | 10/01/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of is less than Guideline representative FICO score of 660. | Representative FICO score of is less than Guideline representative FICO score of 660. Missing Credit report. |  | Reviewer Comment (2025-10-07): Received Credit Report. Exception Cleared. | 10/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 847919 | xxxxxx | 34912719 | xxxxxx | 10/07/2025 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | 1007 Rent Comparison is missing in file. |  | Reviewer Comment (2025-10-14): Received rent comparison. Condition cleared. | 10/14/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 847919 | xxxxxx | 34912720 | xxxxxx | 10/07/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-10-14): Received CDA. Condition cleared. | 10/14/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 847919 | xxxxxx | 34912722 | xxxxxx | 10/14/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of xxxxxx is greater than Guideline maximum loan amount of $1,000,000.00. | Based on the rent comparison provided, the DSCR is now .75. The LTV is at 70% and per the lender matrix the maximum loan amount is $1MM. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-11-03): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-10-29): Exception remains, per guideline (effective date xxxxxx) for .75 DSCR cash-out max $1.5 LTV must be 60%<br>Reviewer Comment (2025-10-22): xxxxxx provided is effective xxxxxx which is after the note date of xxxxxx . Matrix in the loan used is effective xxxxxx. Exception remains. |  |  | 11/03/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 848041 | xxxxxx | 34641919 | xxxxxx | 10/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-10-14): Received Fraud and OFAC searches run on settlement agent, xxxxxx. Exception cleared. | 10/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 848069 | xxxxxx | 34768147 | xxxxxx | 09/08/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  | Reviewer Comment (2025-09-27): Received<br>Reviewer Comment (2025-09-17): Document provided is the 442. File is missing the original full appraisal report. | 09/27/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 848069 | xxxxxx | 34768148 | xxxxxx | 09/08/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-09-27): Appraisal received<br>Reviewer Comment (2025-09-17): Document provided is the 442 updated report, this condition is asking for the original full appraisal report that was completed for this property. | 09/27/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 848069 | xxxxxx | 34768149 | xxxxxx | 09/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx<br> Disaster End date: xxxxxx |  |  | Reviewer Comment (2025-09-27): Appraisal received<br>Reviewer Comment (2025-09-17): Document provided is the 442 updated report, this condition is asking for the original full appraisal report that was completed for this property. | 09/27/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 848069 | xxxxxx | 34768151 | xxxxxx | 09/27/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided |  | File is missing trust agreement for Trust vested on title prior to closing, to determine our guarantor had authority to transfer deed into borrowing entity name and refinance subject property. |  | Reviewer Comment (2025-10-16): Received trust agreement, reflecting our guarantor had authority to transfer subject property. | 10/16/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 848070 | xxxxxx | 34545447 | xxxxxx | 06/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Background Check was not provided for the borrowing entity. |  | Reviewer Comment (2025-07-12): Received<br>Reviewer Comment (2025-06-28): This condition is in relation to the borrowing entity, not the guarantor. Background check for borrowing entity required. | 07/12/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 848070 | xxxxxx | 34545448 | xxxxxx | 06/23/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing was not provided. |  | Reviewer Comment (2025-06-28): COGS received | 06/28/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 848070 | xxxxxx | 34545449 | xxxxxx | 06/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Only borrowers with valid social security numbers are eligible. Borrower did not provide a social security number. Ineligible Borrower. |  | Reviewer Comment (2025-06-28): Guarantor SSN received in trailing docs. | 06/28/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 848071 | xxxxxx | 34545509 | xxxxxx | 07/23/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx <br> Disaster End date: xxxxxx<br> Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx | The subject property is located in a FEMA disaster area and no post disaster inspection report was provided. |  | Reviewer Comment (2025-08-02): PDI received reflecting no damage | 08/02/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848071 | xxxxxx | 34545510 | xxxxxx | 07/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Background Check was not provided for the Family Trust. |  | Reviewer Comment (2025-08-02): Received | 08/02/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848071 | xxxxxx | 34545511 | xxxxxx | 07/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | OFAC was not provided for the Family Trust. |  | Reviewer Comment (2025-08-02): Received | 08/02/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848071 | xxxxxx | 34545513 | xxxxxx | 07/23/2025 | Credit | Guideline | Guideline Issue | Guideline | Ineligible borrower per guidelines. |  | Per guidelines, a valid SSN is required for each guarantor. File only contains evidence of SSN for xxxxxx. Please provide evidence of valid SSN for remaining 2 guarantors. |  | Reviewer Comment (2025-08-25): Documentation provided. Exception cleared. | 08/25/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848072 | xxxxxx | 34545508 | xxxxxx | 07/21/2025 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: xxxxxx // Account Type: Checking / Account Number: xxxxxx | Missing bank statement within 90 days prior to the Note document. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline minimum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines. | Reviewer Comment (2025-08-10): Waived with compensating factors per lender request.<br>Reviewer Comment (2025-08-02): Guidelines require 2 months' asset statements dated within 90 days of Note date. Received 1 (of 4 pages) for a statement ending xxxxxx ; however, the most recent statement provided in original file is dated xxxxxx . Will need 2 consecutive months dated within 90 days of Note date and they must be full statements, with all pages. |  |  | 08/10/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 848076 | xxxxxx | 34545432 | xxxxxx | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx<br> Disaster End date: xxxxxx | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx |  | Reviewer Comment (2025-06-20): Appraisal dated after declaration end date received. | 06/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 848076 | xxxxxx | 34545433 | xxxxxx | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement not provided. |  | Reviewer Comment (2025-06-20): Received | 06/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 848076 | xxxxxx | 34545435 | xxxxxx | 06/11/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal not provided. |  | Reviewer Comment (2025-06-20): Received | 06/20/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 848076 | xxxxxx | 34545436 | xxxxxx | 06/11/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note date: xxxxxx; Lien Position: 1 | Appraisal is missing. |  | Reviewer Comment (2025-06-20): Received | 06/20/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 848076 | xxxxxx | 34545437 | xxxxxx | 06/11/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.98 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Guidelines require the lower of market rent or the lease in place for DSCR calculation. |  | Reviewer Comment (2025-06-28): HOA statement received in trailing documents reflecting $150/annual HOA dues.<br>Reviewer Comment (2025-06-20): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.93 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00.<br>Reviewer Comment (2025-06-20): The difference in lender DSCR and TPR DSCR is the HOA dues. Per approval, lender utilized $150 per year in dues; however, appraisal provided reflects $650 annually. | 06/28/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 848076 | xxxxxx | 34545438 | xxxxxx | 06/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Background Check was not provided for the borrowing entity. |  | Reviewer Comment (2025-06-28): Received<br>Reviewer Comment (2025-06-20): This condition is for the borrowing entity, not the borrower. | 06/28/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 848076 | xxxxxx | 34545439 | xxxxxx | 06/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Only borrowers with valid social security numbers are eligible. Borrower did not provide a social security number. Ineligible Borrower. |  | Reviewer Comment (2025-06-20): Received evidence of SSN. | 06/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 848076 | xxxxxx | 34545440 | xxxxxx | 06/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal provided reflects incorrect HOA dues. Please provide corrected appraisal reflecting HOA dues of $150/year as indicated by the document provided in trailing documents. |  | Reviewer Comment (2025-07-23): Per lender, HOA dues of $650 per year on appraisal are correct and DSCR was recalculated. | 07/23/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 848076 | xxxxxx | 34545441 | xxxxxx | 07/23/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.98 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Lender utilized $150 per year in HOA dues; however, confirmed HOA dues are $650 per year, resulting in a DSCR of less than 1.00, as required by guidelines for 75% LTV on a cash out refinance transaction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-08-02): Waived with compensating factors per lender direction. |  |  | 08/02/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 848076 | xxxxxx | 34590975 | xxxxxx | 09/29/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor granting exception to allow the use of the higher in place lease rents vs. estimated rents. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-09-29): Client elects to waive with verified compensation factors |  |  | 09/29/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 848077 | xxxxxx | 34545490 | xxxxxx | 07/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Only borrowers with valid social security numbers are eligible. Borrower did not provide a social security number. Ineligible Borrower. |  | Reviewer Comment (2025-07-19): Received borrowers authorization with SSN | 07/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848080 | xxxxxx | 34545486 | xxxxxx | 07/07/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-08-10): Final policy received | 08/10/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 848080 | xxxxxx | 34545487 | xxxxxx | 07/07/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | Title Commitment reflects Title coverage policy amount as xxxxxx which is less than Note amount of xxxxxx. Please provide updated coverage or Final Title or Short Form with coverage of xxxxxx. |  | Reviewer Comment (2025-08-10): Final title reflecting sufficient coverage received<br>Reviewer Comment (2025-07-31): Received same commitment as in original submission and prior submission. It is dated same date as policy with insufficient coverage and does not reflect that it is a revision. Evidence of sufficient policy coverage required for review of this condition.<br>Reviewer Comment (2025-07-19): Title commitment received in trailing docs is dated same date as original title commitment received, with no evidence that it is a revision/update. Evidence of sufficient coverage required for review of this condition. | 08/10/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 848080 | xxxxxx | 34545488 | xxxxxx | 07/07/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 694 is less than Guideline representative FICO score of 700. | Lender exception approved at origination for FICO score of 700 required by guidelines for less than 2 years experience managing properties. No compensating factors were provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2025-08-10): Waived with compensating factors per lender request of excess reserves.<br>Reviewer Comment (2025-07-31): This condition is not relating to the title policy. There is a lender approved exception in the file; however, no compensating factors were provided.<br>Reviewer Comment (2025-07-19): Document received does not reflect compensating factors. |  |  | 08/10/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 848081 | xxxxxx | 34545458 | xxxxxx | 07/07/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy is missing in the file |  | Reviewer Comment (2025-07-17): Received HOI | 07/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848081 | xxxxxx | 34545459 | xxxxxx | 07/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Only borrowers with valid social security numbers are eligible. Borrowers did not provide a social security number. Ineligible Borrower. |  | Reviewer Comment (2025-07-17): Received borrower authorization forms, reflecting full SSN for each guarantor. | 07/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848081 | xxxxxx | 34545461 | xxxxxx | 07/07/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate reflects zip as xxxxxx; however, Note reflects xxxxxx. |  | Reviewer Comment (2025-07-17): Received updated flood cert. | 07/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848081 | xxxxxx | 34545462 | xxxxxx | 07/07/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal and Desk Review reflect zip as xxxxxx; however, Note reflects xxxxxx. |  | Reviewer Comment (2025-07-31): Corrected CDA received<br>Reviewer Comment (2025-07-17): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Valuation Type: Appraisal / Valuation Report Date: xxxxxx , Valuation Type: Desk Review / Valuation Report Date: xxxxxx <br>Reviewer Comment (2025-07-17): Updated appraisal received. Pending receipt of corrected CDA. | 07/31/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848081 | xxxxxx | 34545463 | xxxxxx | 07/17/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI reflects zip code as xxxxxx; however, Note reflects xxxxxx. |  | Reviewer Comment (2025-07-31): Updated HOI received | 07/31/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848082 | xxxxxx | 34545479 | xxxxxx | 07/07/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy is missing in the file. |  | Reviewer Comment (2025-07-19): Received HOI | 07/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848082 | xxxxxx | 34545480 | xxxxxx | 07/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Only borrowers with valid social security numbers are eligible. Borrowers did not provide a social security number. Ineligible Borrower. |  | Reviewer Comment (2025-07-19): Borrowers authorization with SSN received | 07/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848082 | xxxxxx | 34545482 | xxxxxx | 07/07/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate reflects zip as xxxxxx; however, Note reflects xxxxxx. |  | Reviewer Comment (2025-07-19): Corrected flood certificate received | 07/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848082 | xxxxxx | 34545483 | xxxxxx | 07/07/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal and CDA reflect zip as xxxxxx; however, Note reflects xxxxxx. |  | Reviewer Comment (2025-08-10): Corrected appraisal received.<br>Reviewer Comment (2025-07-31): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Valuation Type: Appraisal / Valuation Report Date: xxxxxx , Valuation Type: Desk Review / Valuation Report Date: xxxxxx <br>Reviewer Comment (2025-07-31): Still pending updated appraisal as it was not received.<br>Reviewer Comment (2025-07-19): Corrected appraisal not received and CDA still required for review of this condition. | 08/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848082 | xxxxxx | 34545484 | xxxxxx | 07/19/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI received in trailing documents reflects zip code of xxxxxx; however, Note reflects xxxxxx. |  | Reviewer Comment (2025-07-31): Received updated HOI | 07/31/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848082 | xxxxxx | 34545485 | xxxxxx | 07/19/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  | HOI received in trailing documents does not reflect premium for subject property. DSCR subject to recalculation upon receipt. |  | Reviewer Comment (2025-07-31): Received updated HOI with premium. | 07/31/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848083 | xxxxxx | 34545472 | xxxxxx | 07/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Only borrowers with valid social security numbers are eligible. Borrowers did not provide a social security number. Ineligible Borrower. |  | Reviewer Comment (2025-07-19): Received evidence of SSN for each guarantor | 07/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848083 | xxxxxx | 34545473 | xxxxxx | 07/07/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance Policy was not provided. |  | Reviewer Comment (2025-07-19): HOI received | 07/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848083 | xxxxxx | 34545475 | xxxxxx | 07/07/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate reflects zip as xxxxxx; however, Note reflects xxxxxx. |  | Reviewer Comment (2025-07-19): Received | 07/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848083 | xxxxxx | 34545476 | xxxxxx | 07/07/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal and CDA reflect zip as xxxxxx; however, Note reflects xxxxxx. |  | Reviewer Comment (2025-07-31): Updated CDA received<br>Reviewer Comment (2025-07-19): Appraisal update received. Still need CDA updated to reflect zip code that matches Note.<br>Reviewer Comment (2025-07-19): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Valuation Type: Appraisal / Valuation Report Date: xxxxxx , Valuation Type: Desk Review / Valuation Report Date: xxxxxx  | 07/31/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848083 | xxxxxx | 34545477 | xxxxxx | 07/19/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  | File is missing evidence of HOI premium for subject property. File contains document stating it is paid in full; however, no annual premium was disclosed. DSCR subject to recalculation upon receipt. |  | Reviewer Comment (2025-07-31): Received | 07/31/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848083 | xxxxxx | 34545478 | xxxxxx | 07/19/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI received in trailing documents reflects zip of xxxxxx; however, Note reflects xxxxxx. |  | Reviewer Comment (2025-07-31): Corrected HOI received | 07/31/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848085 | xxxxxx | 34545500 | xxxxxx | 07/09/2025 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: xxxxxx // Account Type: Funds from Business Account / Account Number: xxxxxx | Two months consecutive bank statements are required per guidelines. |  | Reviewer Comment (2025-07-19): Additional asset statement received | 07/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848085 | xxxxxx | 34545501 | xxxxxx | 07/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Only borrowers with valid social security numbers are eligible. Borrower did not provide a social security number. Ineligible Borrower. The SSN is masked on the borrower authorization document provided. |  | Reviewer Comment (2025-07-19): Received | 07/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848087 | xxxxxx | 34545455 | xxxxxx | 07/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested at origination for subject property square footage of xxxxxx is less than the guideline minimum of 675. Compensating factors were cited as FICOs of 810 and 778, reserves of 26 months, and LTV of 70.00%. Approval not provided in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-07-12): Waived with compensating factors per lender exception approval received in trailing docs. |  |  | 07/12/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 848087 | xxxxxx | 34545456 | xxxxxx | 07/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Only borrowers with valid social security numbers are eligible. Borrowers did not provide a social security number. Ineligible Borrower. |  | Reviewer Comment (2025-07-19): Received<br>Reviewer Comment (2025-07-12): Received for xxxxxx. Still need valid SSN for xxxxxx. | 07/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 848092 | xxxxxx | 34545505 | xxxxxx | 07/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Only borrowers with valid social security numbers are eligible. Borrowers did not provide a social security number. Ineligible Borrower. |  | Reviewer Comment (2025-07-19): Evidence of SSN received | 07/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 848094 | xxxxxx | 34768153 | xxxxxx | 09/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing within 30 days of the Note date was not provided. |  | Reviewer Comment (2025-09-28): Received COGS<br>Reviewer Comment (2025-09-17): COGS provided is dated more than 30 days prior to the Note date. Guidelines require COGS to be dated no more than 30 days prior to the Note date. | 09/28/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 848094 | xxxxxx | 34768154 | xxxxxx | 09/11/2025 | Credit | Guideline | Guideline Issue | Guideline | Only borrowers with valid social security numbers are eligible. Borrower did not provide a social security number. Ineligible borrower. |  | Social Security Numbers were not provided for either Guarantor. |  | Reviewer Comment (2025-09-17): Received | 09/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 848098 | xxxxxx | 34545517 | xxxxxx | 08/29/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-09-12): Appraisal provided, exception cleared. | 09/12/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 848098 | xxxxxx | 34545518 | xxxxxx | 08/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx<br> Disaster End date: xxxxxx |  |  | Reviewer Comment (2025-09-12): Appraisal provided, exception cleared. | 09/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 848098 | xxxxxx | 34545519 | xxxxxx | 08/29/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  | Reviewer Comment (2025-09-12): Appraisal provided, exception cleared. | 09/12/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 848098 | xxxxxx | 34545520 | xxxxxx | 09/12/2025 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | The appraisal provided in trailing documents is missing the 1007 rent schedule for the subject property. |  | Reviewer Comment (2025-09-17): Received 1007 | 09/17/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 848117 | xxxxxx | 34515257 | xxxxxx | 09/25/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate closing statement only in file. |  | Reviewer Comment (2025-09-29): Final stamped settlement statement provided | 09/29/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 848128 | xxxxxx | 34735624 | xxxxxx | 10/20/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2025-11-03): Final signed HUD provided | 11/03/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 848186 | xxxxxx | 34699347 | xxxxxx | 10/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 1.0 and xxxxxx CU 5.0. Due to discrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-10-16): Received AVM dated xxxxxx . Exception cleared. | 10/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848186 | xxxxxx | 34699429 | xxxxxx | 10/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $276.00 plus 10% or $303.60. $71.40 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx | The COC does not provided a valid reason as to why recording fees increased. A program change does not increase recording fees. |  | Reviewer Comment (2025-11-06): SitusAMC received corrected PCCD and LOE<br>Reviewer Comment (2025-10-28): SitusAMC received PCCD and ledger, however we also require copy of LOE to borrower which accompanied the PCCD to finalize.<br>Reviewer Comment (2025-10-20): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $155.00 plus 10% or $170.50. $204.50 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx<br>Reviewer Comment (2025-10-14): SitusAMC received valid COC for xxxxxx however recording fee again increased on CD dated xxxxxx to $375 and COC dated xxxxxx doesn't provide sufficient information why the recording fee again increased. A valid Changed Circumstance with additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. | 11/06/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 848186 | xxxxxx | 34699443 | xxxxxx | 10/10/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The policy in effect at time of closing does not have the mortgagee + ISAOA. The post-close policy contained the mortgagee. Provide the updated pre-close policy. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-04): Client elects to waive with verified compensation factors |  |  | 11/04/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848186 | xxxxxx | 34920660 | xxxxxx | 11/06/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). The disclosed Total of Payments in the amount of xxxxxx is under disclosed by $75.02 compared to the calculated total of payments of xxxxxx which exceeds the $35.00 threshold. (Final xxxxxx) | Title - Endorsement Fee increased to $125 on the PCCD. Cure requires PCCD, LOE, copy of refund check, reopening of RTC and proof of delivery. |  | Reviewer Comment (2025-12-10): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-11-21): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund of $40.02, proof of mailing and copy of executed RTC. However, the cure refund and redisclosure was short on the total underdisclosure cure. There is no tolerance on Material Disclosure violations. A threshold determines if lender disclosed within acceptable limits and if not, full refund of total underdisclosure would be required. As total cure was not provided and thus borrower has not been provided accurate material disclosure, the reopening of rescission is not valid and tolling rescission continues until closed properly. Provide the following to cure: Copy of Corrected CD, LOE to borrower, copy of cure refund for additional $35, proof of mailing and the reopening of rescission to all consumers with this completed cure. Cures under 130(b) require the consumer does not pay an amount that exceeds the charge actually disclosed. Refund of the entire underdisclosed amount is required. The self-corrective cure provisions specifically requires the lender assure the consumer does not pay an amount that exceeds the charge actually disclosed. To accomplish this, a refund of the amount that was underdisclosed is required. Note: The correction does not reference bringing the amount that the loan was underdisclosed to an amount within the permissible tolerance to be considered accurate. If the lender only refunds the delta between the under-disclosure and the permissible tolerance, it would not be deemed to be a remediation in accordance with 130(b) and therefore by not refunding the entire amount the exception will remain as an xxxxxx. Regarding reopening of rescission, the rescission period on a loan starts when the latest of three things occurs, (1) the execution of the notice of right to cancel; (2) the consummation of the loan; and (3) the receipt by the consumer of the accurate material disclosures. There are several items deemed to be material disclosures as referenced under 1026.23(a)(3): • APR • Finance Charge • Amount Financed • Total of Payments • Payment schedule . The Finance Charge disclosed on the final CD provided to the borrower were less than the amount of the actual finance charge amount on the loan. The material disclosure of the finance charge was inaccurate, thereby not starting the rescission period. (Tolling rescission.) The refund does not make the disclosure provided at closing accurate, it corrects the underdisclosure that occurred. When the lender provides a new PCCD that reflect a Finance Charge that is now accurate based on the refund to the consumer, a new NORTC would have started the three day clock. Issuing new NORTCs to the consumer(s) is not reopening rescission it is an attempt to end the rescission that did not expire three days after consummation based on the underdisclosed finance charge. Per SFA TRID Grid 3, "for exceptions related to one of the Material Disclosures on rescindable transactions, a separate xxxxxx exception for extended rescission rights will be cited if the remediation does not included evidence the lender re-opened rescission." The lender can remediate this exception by reopening rescission within the 3 year tolling period. |  | 12/10/2025 |  | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 848189 | xxxxxx | 34895495 | xxxxxx | 11/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - An exception is being requested for a property on >5 acres xxxxxx acres) | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-10): Client elects to waive with verified compensation factors |  |  | 11/10/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 848230 | xxxxxx | 34798403 | xxxxxx | 10/24/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $44,313.41 is less than Cash From Borrower $92,812.90. | Foreign assets that do not have xxxxxx branches and are not FDIC insured can only be used for reserves. |  | Reviewer Comment (2025-11-07): Wire for funds to close provided. Wire does not need to be on final settlement statement.<br>Reviewer Comment (2025-10-31): Received disbursement summary that reflects, wire was transferred to Title on xxxxxx in amount of xxxxxx, however, the closing disclosure does not reflect the funds was deposited. Provide signed and dated Settlement Statement and Wire Confirmation for the same. Exception remains.<br>Reviewer Comment (2025-10-27): The same documents were provided that were in file at time of review. Wise account balance is $2,360.06. There is a transfer out of account on xxxxxx for $81,192.94, however just says transfer. Doe snot reflect to where or for what transaction. Provide the wire out to support for this transaction. | 11/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 848259 | xxxxxx | 34787082 | xxxxxx | 10/29/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Please provide current address of borrower on Final 1003. |  | Reviewer Comment (2025-11-04): Updated 1003 provided | 11/04/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 848259 | xxxxxx | 34787084 | xxxxxx | 10/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-11-03): Received Approval. Exception cleared. | 11/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 848259 | xxxxxx | 34787087 | xxxxxx | 10/29/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.44 is less than Guideline PITIA months reserves of 6.00. | Please provide additional assets. |  | Reviewer Comment (2025-11-05): Additional statements provided | 11/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 848259 | xxxxxx | 34835467 | xxxxxx | 10/29/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $27,736.00. Provide updated policy reflecting minimum coverage of xxxxxx OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  | Reviewer Comment (2025-11-12): Received RCE. Exception cleared.<br>Reviewer Comment (2025-11-07): The checklist of coverage does not match the policy number, therefore cannot be used to meet FL overlays.<br>Reviewer Comment (2025-11-03): Received Checklist of Coverage which was already in file. Provide updated policy reflecting minimum coverage of xxxxxx OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception remains. | 11/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 848259 | xxxxxx | 34835547 | xxxxxx | 10/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-11-05): Received Fraud and OFAC search run. Exception cleared. | 11/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 848269 | xxxxxx | 34644073 | xxxxxx | 10/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-10-13): Received UDM dated xxxxxx . Exception cleared. | 10/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848269 | xxxxxx | 34674729 | xxxxxx | 10/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final Title Policy: City reflects xxxxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-15): Waived with compensating factors per client direction.<br>Reviewer Comment (2025-11-26): Only first page of a commitment was received and it is dated same date as original commitment provided, with no evidence it is a revision. Also, final title policy was provided, which reflects incorrect City name, so a commitment could not be used to clear this condition. Corrected final title policy will be required for review. |  |  | 12/15/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848269 | xxxxxx | 34674802 | xxxxxx | 10/09/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Compliant | xxxxxx Subprime Loan: APR on subject loan of 8.90275% or Final Disclosure APR of 8.93400% is in excess of allowable threshold of Prime Mortgage Market Rate 6.35000 + 1.75%, or 8.10000%. Compliant SubPrime Loan. |  |  | Reviewer Comment (2025-10-08): Client elects to waive |  |  | 10/08/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848269 | xxxxxx | 34674803 | xxxxxx | 10/09/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | xxxxxx Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within three days of application. | Earlier receipt not provided |  | Reviewer Comment (2025-10-08): Client elects to waive |  |  | 10/08/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848269 | xxxxxx | 34674809 | xxxxxx | 10/09/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI reflects xxxxxx |  | Reviewer Comment (2025-11-25): Received Hazard Insurance document. Exception cleared. | 11/25/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848269 | xxxxxx | 34674815 | xxxxxx | 10/09/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.41 is less than Guideline PITIA months reserves of 6.00. | Gift funds received into personal account and transferred to additional personal account. Backed out as cannot double count. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-30): Additional assets received.<br>Reviewer Comment (2025-10-15): Comments made appear to be for the Seller: Confirmed 1 received into account and the other was a transfer from xxxxxx which is the borrower's account. However, we need the wire for the additional $50K not received into the account was it was not found in file.<br>Reviewer Comment (2025-10-15): Confirmed 1 received into account and the other was a transfer from xxxxxx which is the borrower's account. However, we need the wire for the additional $50K not received into the account was it was not found in file.<br>Reviewer Comment (2025-10-10): The LOE is not acceptable. As noted in the original condition, the gift of $100,000 was already received into the borrower's personal account #xxxxxx. Gifts cannot be used for reserves. Backed out and reserves are insufficient. | 11/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848269 | xxxxxx | 34674818 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Gift funds received into personal account and transferred to additional personal account. Backed out as cannot double count. |  | Reviewer Comment (2025-11-30): Additional assets received.<br>Reviewer Comment (2025-10-15): Comments made appear to be for the Seller: Confirmed 1 received into account and the other was a transfer from xxxxxx which is the borrower's account. However, we need the wire for the additional $50K not received into the account was it was not found in file.<br>Reviewer Comment (2025-10-15): Confirmed 1 received into account and the other was a transfer from xxxxxx which is the borrower's account. However, we need the wire for the additional $50K not received into the account was it was not found in file.<br>Reviewer Comment (2025-10-10): The LOE is not acceptable. As noted in the original condition, the gift of $100,000 was already received into the borrower's personal account xxxxxx. Gifts cannot be used for reserves. Backed out and reserves are insufficient. | 11/30/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848269 | xxxxxx | 34674819 | xxxxxx | 10/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Gift funds received into personal account and transferred to additional personal account. Backed out as cannot double count. |  | Reviewer Comment (2025-11-30): Additional assets received.<br>Reviewer Comment (2025-10-15): Comments made appear to be for the Seller: Confirmed 1 received into account and the other was a transfer from xxxxxx which is the borrower's account. However, we need the wire for the additional $50K not received into the account was it was not found in file.<br>Reviewer Comment (2025-10-15): Confirmed 1 received into account and the other was a transfer from xxxxxx which is the borrower's account. However, we need the wire for the additional $50K not received into the account was it was not found in file.<br>Reviewer Comment (2025-10-10): The LOE is not acceptable. As noted in the original condition, the gift of $100,000 was already received into the borrower's personal account xxxxxx. Gifts cannot be used for reserves. Backed out and reserves are insufficient. | 11/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848277 | xxxxxx | 34590143 | xxxxxx | 10/03/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Received HOI policy does not reflect mortgagee clause. |  | Reviewer Comment (2025-10-08): Updated HOI provided | 10/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 848277 | xxxxxx | 34632387 | xxxxxx | 10/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide evidence of ownership in xxxxxx (xxxxxx deposits into account). xxxxxx lookback has no address. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-03): An LOE from the borrower is not acceptable as well as the screen shot does not verify the address form the borrower's phone nor the internet listing.<br>Reviewer Comment (2025-10-15): Received EIN reflecting sole owner. Still pending confirmation the xxxxxx look back is for the subject property as no address is listed and to match the xxxxxx deposits. |  |  | 11/18/2025 | 2 C B D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 848302 | xxxxxx | 34478128 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | ACH information was not provided and borrower is Foreign National | Borrower: xxxxxx | Automatic Payment Authorization (ACH) form is required for set-up along with a copy of a cancelled check prior to closing. |  | Reviewer Comment (2025-10-01): ACH and voiced check provided | 10/01/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 848302 | xxxxxx | 34478148 | xxxxxx | 09/22/2025 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx | Spousal consent required on Entity loans in community property states. |  | Reviewer Comment (2025-10-22): Received Spousal Consent. Exception cleared.<br>Reviewer Comment (2025-10-01): The spousal consent has the name of the incorrect Seller. The Seller is the Lender not the property seller. | 10/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 848302 | xxxxxx | 34515814 | xxxxxx | 09/22/2025 | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | The two alternative credit references letters were not signed and dated by the financial institution as well as the translation document was not signed and dated by a certified translator. |  | Reviewer Comment (2025-10-24): Received two alternative credit references letters signed and dated. Exception cleared.<br>Reviewer Comment (2025-10-01): Only the translation document certificate was provided. The two alternative credit references letters were not signed and dated by the financial institution. | 10/24/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 848302 | xxxxxx | 34515818 | xxxxxx | 09/22/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $112,412.14 is less than Cash From Borrower $113,065.81. | Business assets transferred for funds to close post statement and foreign assets can only be used for reserves if not transferred to a xxxxxx account. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-10-30): The client elects to waive.<br>Reviewer Comment (2025-10-22): An unsigned HUD is not acceptable. The final signed settlement statement provided at time of review from title is in file and considered.<br>Reviewer Comment (2025-10-02): The LOE is not acceptable. Please review the comments on xxxxxx The EMD of $9,000 was already counted toward closing funds. As noted on xxxxxx, the funds to close wire from xxxxxx Bank xxxxxx is post statement for $103,315.81. Funds were liquidated from xxxxxx Bank xxxxxx for funds to close therefore after transfer the account is $0. xxxxxx counted for $96.33 and as noted foreign funds in account xxxxxx can only be used for reserves.<br>Reviewer Comment (2025-09-29): Funds to close is calculated as funds to close + EMD + POCB + any adjustments/gifts/1031 on the Final xxxxxx D/Settlement Statement. Business assets transferred for funds to close post statement and foreign assets can only be used for reserves if not transferred to a xxxxxx account. |  |  | 10/30/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 848327 | xxxxxx | 35190116 | xxxxxx | 10/23/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $26,481.83. | Bank Statement missing in Loan File. |  | Reviewer Comment (2025-11-08): Funds from concurrent refinance used to meet cash to close requirements. | 11/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 848327 | xxxxxx | 35190117 | xxxxxx | 10/23/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 9.00. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 9.00. |  | Reviewer Comment (2025-11-08): Funds from concurrent refinance of additional property used to meet reserve requirements. | 11/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 848403 | xxxxxx | 34947903 | xxxxxx | 11/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. 3 liens on title not addressed. |  | Reviewer Comment (2025-12-05): Recorded release documents provided, exception cleared.<br>Reviewer Comment (2025-11-14): None of the releases are recorded. Provide the recorded releases or clear title policy or supplement from title noting liens will not appear on final title. | 12/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 848403 | xxxxxx | 34947919 | xxxxxx | 11/11/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note date: xxxxxx; Lien Position: 1 |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-11-10): Client elect to waive |  |  | 11/10/2025 | 2 A B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 848493 | xxxxxx | 34980708 | xxxxxx | 10/24/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | OFAC is Missing in loan file. |  | Reviewer Comment (2025-11-03): Received OFAC. Exception Cleared. | 11/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Property Focused |
| xxxxxx | 848493 | xxxxxx | 34980711 | xxxxxx | 10/24/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is Missing in loan file. |  | Reviewer Comment (2025-11-03): Received OFAC. Exception Cleared. | 11/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Property Focused |
| xxxxxx | 848599 | xxxxxx | 34854435 | xxxxxx | 11/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Per documents in file, the purchase price of the subject property is xxxxxx, however, the provided Purchase Contract reflects the purchase price as xxxxxx. Provide sales contract addendum reflects the correct sales price. |  | Reviewer Comment (2025-11-11): Received Seller Counter offer. Exception cleared.<br>Reviewer Comment (2025-11-07): Received Escrows Instructions and Fraud Report. Provide sales contract addendum reflects the correct sales price. Exception remains. | 11/11/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848599 | xxxxxx | 34855322 | xxxxxx | 11/04/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $164,594.36 is less than Cash From Borrower $175,139.28. | The EMD for $23,100 was not verified. |  | Reviewer Comment (2025-11-10): Deposit receipt provided. Per 6.3.7.2 of the lender's guidelines, does not need to be sourced based on LTV and property type/transaction type.<br>Reviewer Comment (2025-11-06): No new documents were provided for review xxxxxx outside of what was provided. See previous comments: Deposit check was provided, however source bank statement was not. Provide the account EMD came from.<br>Reviewer Comment (2025-11-06): Deposit check was provided, however source bank statement was not. Provide the account EMD came from. | 11/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848599 | xxxxxx | 34855398 | xxxxxx | 11/04/2025 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | The provided Flood certificate in file for the correct address does not reflect the 'Life of Loan' clause on it. Flood certificate must reflect the Life of Loan clause. |  | Reviewer Comment (2025-11-06): Updated flood cert provided | 11/06/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848599 | xxxxxx | 34855402 | xxxxxx | 11/04/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $0.00 is less than Guideline Available for Reserves of $12,454.47. | The EMD for $23,100 was not verified. |  | Reviewer Comment (2025-11-10): Deposit receipt provided. Per 6.3.7.2 of the lender's guidelines, does not need to be sourced based on LTV and property type/transaction type.<br>Reviewer Comment (2025-11-06): No new documents were provided for review xxxxxx outside of what was provided. See previous comments: Deposit check was provided, however source bank statement was not. Provide the account EMD came from.<br>Reviewer Comment (2025-11-06): Deposit check was provided, however source bank statement was not. Provide the account EMD came from. | 11/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848599 | xxxxxx | 34855445 | xxxxxx | 11/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The Seller, xxxxxx, is missing. |  | Reviewer Comment (2025-11-07): Received Fraud and OFAC search run on Seller, xxxxxx. Exception cleared. | 11/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848599 | xxxxxx | 34886357 | xxxxxx | 11/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title and Title Supplement: Reflects (xxxxxx) xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-12-05): Waived with compensating factors.<br>Reviewer Comment (2025-11-12): The zip code search is not acceptable. The Note does not reflect both , therefore the documents must be updated. Investor can elect to waive with verified compensation factors. |  |  | 12/05/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848599 | xxxxxx | 34886470 | xxxxxx | 11/04/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal: Reflects xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-12-05): Waived with compensating factors.<br>Reviewer Comment (2025-11-12): The zip code search is not acceptable. The Note does not reflect both , therefore the documents must be updated. Investor can elect to waive with verified compensation factors. |  |  | 12/05/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848616 | xxxxxx | 34743471 | xxxxxx | 10/17/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Reflects older lien servicer / holder. |  | Reviewer Comment (2025-10-21): Updated HOI provided. Per client, allows mortgagee to be updated post close on preclose policy. | 10/21/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 848651 | xxxxxx | 34650975 | xxxxxx | 10/07/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The REO on the 1003 reflects the borrower's previous primary residence on xxxxxx as retained as a primary residence. However, page 1 reflects the borrower's primary residence is on xxxxxx for 5 months. Provide the corrected 1003. |  | Reviewer Comment (2025-11-04): Updated application provided<br>Reviewer Comment (2025-10-24): Provide the corrected 1003. As REO on the 1003 reflects the borrower's previous primary residence on xxxxxx as retained as a primary residence. However, page 1 reflects the borrower's primary residence is on xxxxxx for 5 months. Exception remains. | 11/04/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 848653 | xxxxxx | 34627179 | xxxxxx | 10/07/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Per guidelines, first time investors are required to have a DSCR of >1.00. DSCR is < 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-11-03): Client elects to waive with verified compensation factors |  |  | 11/03/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 848685 | xxxxxx | 34743519 | xxxxxx | 10/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 1.0, xxxxxx CU 5.0. Due to discrepancy, a secondary valuation is required. |  | Reviewer Comment (2025-10-29): Received AVM. Exception cleared. | 10/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 848693 | xxxxxx | 34643207 | xxxxxx | 10/08/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-10-16): MUTC provided with title email regarding updates | 10/16/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 848693 | xxxxxx | 34657248 | xxxxxx | 10/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the LLC. |  | Reviewer Comment (2025-10-16): Deed provided | 10/16/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 848693 | xxxxxx | 34661076 | xxxxxx | 10/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx signed all documents as member of the Borrowing Entity. However, per Ops, xxxxxx is the Sole Owner of the Entity. Provide any amendments to the OA reflecting xxxxxx as an owner. |  | Reviewer Comment (2025-10-30): All cure docs were provided.<br>Reviewer Comment (2025-10-24): Please provide the Letter of Intent to record, and letter to the borrower. Exception remains<br>Reviewer Comment (2025-10-23): Received corrected Note, PPP addendum, DOT + Riders removing xxxxxx as a member and from loan. Provide the LOE to borrower, evidence of delivery to the borrower and lender's LOI to re-record. | 10/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 848826 | xxxxxx | 34585232 | xxxxxx | 10/02/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage accounts not reporting on the credit report for subject property. VOM and payoff provided. Provide the Mortgage statement or Note for the review period to verify monthly payment amount proof of borrower's payment for the most recent 6-months. |  | Reviewer Comment (2025-10-27): ACH pay history provided which is acceptable per guidelines.<br>Reviewer Comment (2025-10-20): Received Note. Pending proof of borrower's payment for the most recent 6-months. Exception remains. | 10/27/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848826 | xxxxxx | 34585233 | xxxxxx | 10/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-10-09): Approval provided | 10/09/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848826 | xxxxxx | 34585304 | xxxxxx | 10/02/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.89 is less than Guideline PITIA months reserves of 6.00. |  |  | Reviewer Comment (2025-10-20): Received additional Bank Statement. Exception cleared. | 10/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848826 | xxxxxx | 34612026 | xxxxxx | 10/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Lease agreement missing for xxxxxx Unit xxxxxx |  | Reviewer Comment (2025-10-20): Received Lease Agreement for xxxxxx Unit xxxxxx. Exception cleared.<br>Reviewer Comment (2025-10-09): xxxxxx. this should be for xxxxxx Unit xxxxxx. | 10/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848826 | xxxxxx | 34612324 | xxxxxx | 10/02/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. |  | Reviewer Comment (2025-10-20): Received RCE. Exception cleared.<br>Reviewer Comment (2025-10-17): This HOI policy has xxxxxx in coverage which is insufficient by $35,751 (no RCE in file and no estimated cost new on appraisal, therefore calculated off of 80% of appraised value). This loan was reviewed to xxxxxx guidelines which does not allow for coverage of the loan amount.<br>Reviewer Comment (2025-10-09): The same document was provided that was in file at time of review. The guidelines do not allow coverage of the loan amount, unless it is 80% of insured value, which the estimated cost new was not provided on the appraisal. Current coverage based on appraised value is short by $35,751. Provide the RCE. | 10/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848826 | xxxxxx | 34612331 | xxxxxx | 10/02/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 6253.00 | All judgements / liens must be satisfied at or prior to closing. |  | Reviewer Comment (2025-10-29): Evidence that all judgements are satisfied was provided.<br>Reviewer Comment (2025-10-24): please provide an updated release of lien or satisfaction of judgement. Further detail is required for clearance<br>Reviewer Comment (2025-10-24): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx, Credit Report: Original // Public Record Type: Judgments / Balance: 11615.00, Credit Report: Original // Public Record Type: Judgments / Balance: 6253.00<br>Reviewer Comment (2025-10-21): Satisfactions provided for 2 of the 3 liens / judgments. Pending receipt of release of the $6,253 judgment.<br>Reviewer Comment (2025-10-09): The document provided is not acceptable. These liens are on the background report. Each must be addressed with proof of releases. | 10/29/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 848932 | xxxxxx | 34916361 | xxxxxx | 11/10/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 52.59201% exceeds Guideline total debt ratio of 50.00000%. | The provided Final 1003 and 1008 in file reflects the total income from both the businesses as $19,500.00, however, the calculated income as per the documents provided in file comes up as $16,715.98. Additionally, the borrower has also opened an auto-lease account which was not considered on Final 1003. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2025-12-17): Waived with compensating factors per investor request.<br>Reviewer Comment (2025-11-13): The P&L statement in file for both businesses are for the period of 14 months, that is xxxxxx to xxxxxx . Due to this there is variance in DTI and exceed the guidelines requirement of 50%. Exception remains. |  |  | 12/17/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848932 | xxxxxx | 34916377 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The provided Final 1003 and 1008 in file reflects the total income from both the businesses as $19,500.00, however, the calculated income as per the documents provided in file comes up as $16,715.98. Additionally, the borrower has also opened an auto-lease account which was not considered on Final 1003. |  | Reviewer Comment (2025-12-17): Investor granted exception for DTI with compensating factors provided.<br>Reviewer Comment (2025-11-13): The P&L statement in file for both businesses are for the period of 14 months, that is xxxxxx to xxxxxx . Due to this there is variance in DTI and exceed the guidelines requirement of 50%. Exception remains. | 12/17/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848932 | xxxxxx | 34916378 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 52.59201% and based on 1026.43(c)(5) of 52.59% moderately exceed the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The provided Final 1003 and 1008 in file reflects the total income from both the businesses as $19,500.00, however, the calculated income as per the documents provided in file comes up as $16,715.98. Additionally, the borrower has also opened an auto-lease account which was not considered on Final 1003. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2025-12-17): Investor granted exception for DTI with compensating factors provided.<br>Reviewer Comment (2025-11-13): The P&L statement in file for both businesses are for the period of 14 months, that is xxxxxx to xxxxxx . Due to this there is variance in DTI and exceed the guidelines requirement of 50%. Exception remains. |  |  | 12/17/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848932 | xxxxxx | 34916392 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The provided Final 1003 and 1008 in file reflects the total income from both the businesses as $19,500.00, however, the calculated income as per the documents provided in file comes up as $16,715.98. Additionally, the borrower has also opened an auto-lease account which was not considered on Final 1003. |  | Reviewer Comment (2025-12-17): Investor granted exception for DTI with compensating factors provided.<br>Reviewer Comment (2025-11-13): The P&L statement in file for both businesses are for the period of 14 months, that is xxxxxx to xxxxxx . Due to this there is variance in DTI and exceed the guidelines requirement of 50%. Exception remains. | 12/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848954 | xxxxxx | 34756308 | xxxxxx | 10/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $382.00 exceeds tolerance of $0.00 plus 10% or $0.00. $382.00 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx | The Ten Percent Fee increased not disclosed on the initial Loan Estimate and was charged $382.00 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-10-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 10/27/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 848954 | xxxxxx | 34756309 | xxxxxx | 10/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $15,015.00 exceeds tolerance of $0.00. $15,015.00 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | The Transfer Tax Fee increased not disclosed on the initial Loan Estimate and was charged $15,015.00 on the final Closing Disclosure without a valid change of circumstance. |  | Reviewer Comment (2025-10-27): SitusAMC received bifurcation for fees. | 10/27/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 848954 | xxxxxx | 34777990 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  |  | Reviewer Comment (2025-11-03): Received LOX wherein Insurer confirmed that xxxxxx is deed garage. Exception cleared.<br>Reviewer Comment (2025-10-29): Received Deed document which is not sufficient provide HOA insurance certificate or HOA master policy showing coverage for deed garages. Exception remains. | 11/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 848954 | xxxxxx | 34777995 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Form 1007 or 1025, with Market Rents | Departure residence using rental income (needed to qualify) - 1007 with estimated rents |  | Reviewer Comment (2025-12-18): Received 1025 appraisal with market rents.<br>Reviewer Comment (2025-10-27): Provided Operating Income Statement is for Subject property. However, required 1007 with estimated rents for xxxxxx. Exception remains. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 848954 | xxxxxx | 34803020 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $15,015.00 exceeds tolerance of $14,985.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  | Reviewer Comment (2025-10-27): Sufficient Cure Provided At Closing |  | 10/27/2025 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 848992 | xxxxxx | 34581782 | xxxxxx | 10/01/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-10-24): CDA received<br>Reviewer Comment (2025-10-21): CDA will be ordered | 10/24/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 848992 | xxxxxx | 34777406 | xxxxxx | 10/22/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  | Reviewer Comment (2025-10-24): CDA received<br>Reviewer Comment (2025-10-24): Valuation Received - xxxxxx  | 10/24/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849022 | xxxxxx | 34657670 | xxxxxx | 10/09/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-10-20): Received Final Title Policy. Exception cleared. | 10/20/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849022 | xxxxxx | 34657671 | xxxxxx | 10/09/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-20): Received Final Title Policy. Exception cleared. | 10/20/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849022 | xxxxxx | 34678208 | xxxxxx | 10/09/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx | First time homebuyers are not allowed on DSCR. xxxxxx has no vested ownership in primary and no ownership in any property for the past 36 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-31): The client elects to waive. |  |  | 10/31/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849041 | xxxxxx | 34543105 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-10-13): Received Fraud and OFAC search run on authorized signor for the seller, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-10-10): Received updated Fraud report, however fraud and OFAC search is run on the trust instead of individual. Please provide Fraud and OFAC search for the seller, xxxxxx. Exception remains. | 10/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 849041 | xxxxxx | 34593616 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | An LOE was provided stating the borrower does not have an OA which is not acceptable. If OA cannot be provided, a borrowing cert must be provided per guidelines. |  | Reviewer Comment (2025-11-17): Received borrowing certificate. Exception cleared.<br>Reviewer Comment (2025-11-12): Received Borrowing Certificate, however lender name is not listed on Section #1. To borrower money from (seller Legal name). Exception remains.<br>Reviewer Comment (2025-11-10): Received Borrowing Certificate, the loan amount is overlapping in Section 3. Provide updated Borrowing Certificate to verify all the required details are updated properly. Exception remains.<br>Reviewer Comment (2025-10-27): Received Borrowing Certificate, however lender name is not listed on Section #1. To borrower money from (seller Legal name). Exception remains. | 11/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 849041 | xxxxxx | 34593701 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The Guarantor Agreement is signed as an Business Entity vs. Individual. |  | Reviewer Comment (2025-11-12): Update GA provided. xxxxxx does not have any ownership interest in the LLC and signed the Note as individual vs. Guarantor. Printed name added to Guarantor for xxxxxx which owns 100% of the business.<br>Reviewer Comment (2025-11-10): Received Personal Guaranty Agreement is only signed by 1 individual when there are 2 on the file. Exception remains.<br>Reviewer Comment (2025-10-21): The Personal Guaranty Agreement is only signed by 1 individual when there are 2 on the file as well as cannot tell who the signature is from.<br>Reviewer Comment (2025-10-13): Received same Guarantor Agreement which was already in file. Provide guarantor agreement which should only reflects individual signature and not business entity name. Exception remains. | 11/12/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 849044 | xxxxxx | 35027003 | xxxxxx | 11/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for self employment less than 2 years. Borrower was previous wage earner and then formed their own PLLC. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-20): Client elects to waive with verified compensation factors |  |  | 11/20/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849044 | xxxxxx | 35027582 | xxxxxx | 11/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor's for the seller, xxxxxx, were not included in the report. |  | Reviewer Comment (2025-12-09): Updated fraud report provided, exception cleared. | 12/09/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849076 | xxxxxx | 34977748 | xxxxxx | 11/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1003, dec page, item B reflects relationship with property seller indicating Non-Arms, however appraisal reflects Arm's Length. Additional conditions may apply. |  | Reviewer Comment (2025-12-18): Received corrected 1003<br>Reviewer Comment (2025-12-08): Additional documentation is required to verify the updated 1003 was provided to the borrower or signed and dated by the borrower. Exception remains. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849076 | xxxxxx | 34977804 | xxxxxx | 11/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 3.0, xxxxxx CU 1.5. Due to discrepancy, a desk review is required. |  | Reviewer Comment (2025-11-20): Received CDA. Exception cleared. | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849076 | xxxxxx | 34977810 | xxxxxx | 11/13/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The appraisal reflects property is in a PUD and the DOT does not reflect a PUD rider attached. Provide the corrected and executed DOT adding in PUD rider, executed PUD rider, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. |  | Reviewer Comment (2025-12-18): Re-recorded Security Instrument, PUD Rider and letter of explanation to the borrower provided, exception cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849151 | xxxxxx | 34776805 | xxxxxx | 10/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | Fraud Report/Background Check not provided for borrower's xxxxxx. |  | Reviewer Comment (2025-10-13): Provided | 10/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 849151 | xxxxxx | 34776806 | xxxxxx | 10/09/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report provided for xxxxxx has no FICO score, guides require borrower to have at lease one FICO score. |  | Reviewer Comment (2025-10-15): Credit report provided, exception cleared. | 10/15/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 849157 | xxxxxx | 34667537 | xxxxxx | 09/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing in file. |  | Reviewer Comment (2025-12-15): Re-opened by mistake.<br>Reviewer Comment (2025-12-09): Secondary valuation required for securitization purposes.<br>Reviewer Comment (2025-10-03): Confirmed, exception cleared. | 12/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 849157 | xxxxxx | 34667538 | xxxxxx | 09/24/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 | Secondary valuation is missing in file. |  | Reviewer Comment (2025-12-15): Cleared with CDA<br>Reviewer Comment (2025-12-11): Cleared in error. A secondary valuation will be required for securitization.<br>Reviewer Comment (2025-09-24): Full appraisal provided, meets xxxxxx guides. | 12/15/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A C |  | N/A | No | Property Focused |
| xxxxxx | 849170 | xxxxxx | 34776800 | xxxxxx | 10/09/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-10-13): Provided | 10/13/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 849170 | xxxxxx | 34776801 | xxxxxx | 10/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  |  |  | Reviewer Comment (2025-10-15): Fraud report provided, exception cleared. | 10/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 849170 | xxxxxx | 34776802 | xxxxxx | 10/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2025-10-13): Provided | 10/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 849170 | xxxxxx | 34776803 | xxxxxx | 10/09/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2025-10-13): Cleared Clear OFAC provided  | 10/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 849235 | xxxxxx | 34939768 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. (7505) | Cure nor valid COC provided |  | Reviewer Comment (2025-12-05): SitusAMC received a valid COC. | 12/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 849235 | xxxxxx | 34939770 | xxxxxx | 11/11/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Lease Agreement | Departure residence using rental income: Lease agreement required. |  | Reviewer Comment (2025-11-13): Received Lease agreement. Exception cleared. | 11/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849235 | xxxxxx | 34955682 | xxxxxx | 11/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Gap report not provided for xxxxxx dated within 30 days prior to the Note or anytime after. |  | Reviewer Comment (2025-12-17): Gap report provided for both borrowers, exception cleared. | 12/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 849235 | xxxxxx | 34955711 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for 1007 Rent Schedule. Fee Amount of $175.00 exceeds tolerance of $0.00. $175.00 over legal limit. Insufficient or no cure was provided to the borrower. (7543) | Cure nor valid COC provided. |  | Reviewer Comment (2025-12-12): SitusAMC received valid COC document<br>Reviewer Comment (2025-12-05): SitusAMC received COC dated xxxxxx .However, we would also require additional information as to why the 1007 rent schedule fee added on LE dated xxxxxx . In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 849246 | xxxxxx | 34745766 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report is missing. Transaction participants must be included in the fraud report as follows: Borrowers/Guarantors, Property Sellers. |  | Reviewer Comment (2025-11-05): Received Fraud Report and OFAC search for Guarantor xxxxxx. Exception cleared.<br>Reviewer Comment (2025-10-23): The Fraud report provided is for Sellers xxxxxx; however, we require Full fraud report for Guarantor xxxxxx. Exception remains. | 11/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849246 | xxxxxx | 34745767 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2025-11-03): HOI with premium provided with effective date at time of closing.<br>Reviewer Comment (2025-10-27): No, the condition will not be cancelled. The HOI was missing at time of initial review as well as the premium is also missing in addition to the additional condition that was added for effective dates.<br>Reviewer Comment (2025-10-23): The provided HOI policy does not reflect the premium on it. Exception remains. | 11/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849246 | xxxxxx | 34745796 | xxxxxx | 10/22/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2025-10-29): Received OFAC searches. Exception cleared.<br>Reviewer Comment (2025-10-23): OFAC searches provided for Seller xxxxxx & Guarantor - xxxxxx; however, missing for 2nd Seller. Provide OFAC search for 2nd Seller xxxxxx. Exception remains. | 10/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849246 | xxxxxx | 34745802 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2025-10-23): Received Title Commitment. Exception cleared. | 10/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849246 | xxxxxx | 34776279 | xxxxxx | 10/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A PUD rider was included with the DOT, however the appraisal does not reflect PUD or HOA dues. |  | Reviewer Comment (2025-11-19): xxxxxx affidavit, LOE to borrower, evidence of delivery to borrower and lender's LOI provided | 11/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849246 | xxxxxx | 34776424 | xxxxxx | 10/22/2025 | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. |  |  |  | Reviewer Comment (2025-10-23): Received Invoice from xxxxxx reflecting the Flood premium amount of $1,056.00. Exception cleared. | 10/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849246 | xxxxxx | 34776431 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Marital Status was not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-10-22): Client elects to waive |  |  | 10/22/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849246 | xxxxxx | 34789415 | xxxxxx | 10/23/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | The comments are added to the original exception xxxxxx Upon receipt of the requested documents, this condition may be cleared. |  | Reviewer Comment (2025-11-03): HOI provided with effective date at time of closing provided | 11/03/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849260 | xxxxxx | 34794818 | xxxxxx | 10/30/2025 | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | Credit Report: Original // Borrower: xxxxxx Borrower has 1 Active Tradelines which is less than the minimum required by guidelines. | Investor Approval in file for exception of minimum tradeline requirement not met as borrower is living in xxxxxx with a R-E2 work visa. Seek exception to tradelines for this borrower in the xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-29): The client elects to waive. |  |  | 10/29/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 849260 | xxxxxx | 34794929 | xxxxxx | 10/30/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of $1,783.00 does not match Calculated P&I of $1,526.39 | P&I provided on note is $1,783 which is mismatching with the P&I calculated on clarity $1,526.39 | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-29): The client elects to waive. |  |  | 10/29/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 849294 | xxxxxx | 34688749 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Must be dated within 90 days of closing |  | Reviewer Comment (2025-11-03): Received Certificate of Good Standing. Exception cleared.<br>Reviewer Comment (2025-10-23): Received Statement and Resignation of the Organizer. Provide Certificate of Good Standing. Exception remains. | 11/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 849294 | xxxxxx | 34688751 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2025-10-31): The fraud report was provided.<br>Reviewer Comment (2025-10-24): Received only Clearance Report. The file is missing full Fraud Report. Exception remains. | 10/31/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 849294 | xxxxxx | 34725240 | xxxxxx | 10/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage not appearing on the credit report for the borrower's primary residence. 12 month loan payment history provided. Proof of borrower's payment for the most recent 6-months is required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reviewer Comment (2025-10-31): The client elects to waive.<br>Reviewer Comment (2025-10-24): Received Pay history. However the document requested is for proof of borrower's payment for the most recent 6-months is required. Exception remains. |  |  | 10/31/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 849294 | xxxxxx | 34725306 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the Borrowing LLC. |  | Reviewer Comment (2025-11-17): Received deed transferring the property to the Borrowing LLC. Exception cleared.<br>Reviewer Comment (2025-10-24): Received Mortgage, however the document requested is for Deed transferring the property to the Borrowing LLC. Exception remains. | 11/17/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No | Property Focused |
| xxxxxx | 849388 | xxxxxx | 34958694 | xxxxxx | 11/13/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The Flood Certificate lists the city as xxxxxx, whereas the Note indicates xxxxxx. |  | Reviewer Comment (2025-12-05): Updated flood certificate received<br>Reviewer Comment (2025-11-17): The USPS does not clear this condition nor if an address is entered and something else comes back indicate they are one in the same. Based on the USPS, the city appears to be xxxxxx. All addresses must match. | 12/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849388 | xxxxxx | 34958696 | xxxxxx | 11/13/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The Appraisal lists the city as xxxxxx, whereas the Note indicates xxxxxx. |  | Reviewer Comment (2025-12-18): Updated appraisal provided, exception cleared.<br>Reviewer Comment (2025-12-05): If Lender is stating xxxxxx is correct address, a corrected Note and Security Instrument will need to be provided.<br>Reviewer Comment (2025-11-17): The USPS does not clear this condition nor if an address is entered and something else comes back indicate they are one in the same. Based on the USPS, the city appears to be xxxxxx. All addresses must match. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849388 | xxxxxx | 34958697 | xxxxxx | 11/13/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | The Desk Review lists the city as xxxxxx, whereas the Note indicates xxxxxx. |  | Reviewer Comment (2025-12-18): Updated CDA provided, exception cleared.<br>Reviewer Comment (2025-12-05): If Lender is stating xxxxxx is correct address, a corrected Note and Security Instrument will need to be provided.<br>Reviewer Comment (2025-11-17): The USPS does not clear this condition nor if an address is entered and something else comes back indicate they are one in the same. Based on the USPS, the city appears to be xxxxxx. All addresses must match. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849388 | xxxxxx | 34958698 | xxxxxx | 11/13/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | The HOI Policy lists the city as xxxxxx, whereas the Note indicates xxxxxx. |  | Reviewer Comment (2025-12-30): Updated HOI received.<br>Reviewer Comment (2025-11-17): The USPS does not clear this condition nor if an address is entered and something else comes back indicate they are one in the same. Based on the USPS, the city appears to be xxxxxx. All addresses must match. | 12/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849388 | xxxxxx | 34980656 | xxxxxx | 11/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the business purpose cert |  | Reviewer Comment (2025-12-05): Business purpose certificate received. | 12/05/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 849648 | xxxxxx | 34797030 | xxxxxx | 10/24/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | Business Purpose Cert in file is not signed. |  | Reviewer Comment (2025-10-29): Received Business Purpose Certificate. Exception cleared. | 10/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 849648 | xxxxxx | 34797033 | xxxxxx | 10/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Cert in file is not signed. |  | Reviewer Comment (2025-10-29): Received Business Purpose Certificate. Exception cleared. | 10/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 849677 | xxxxxx | 34772891 | xxxxxx | 10/27/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The subject was marketed on xxxxxx with listing price xxxxxx and is currently in Active status. Must be cancelled prior to Note date. |  | Reviewer Comment (2025-10-29): A Termination of Listing dated prior to the Note was provided. | 10/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 849699 | xxxxxx | 35136762 | xxxxxx | 10/06/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 8.14 is less than Guideline PITIA months reserves of 9.00. | Calculated Available for Reserves of 8.14 is less than Guideline Available for Reserves of 9 months | Borrower has owned the subject property for at least 5 years.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-11-12): Client elects to waive with compensating factors.<br>Reviewer Comment (2025-10-31): Loan amount more than $1.00MM and matrix reflects 9 months reserves. Exception Remains. |  |  | 11/12/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849725 | xxxxxx | 34743890 | xxxxxx | 10/22/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx | xxxxxx is a first time homebuyer which is not allowed on DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-04): Client elect to waive with verified compensation factors |  |  | 11/04/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849790 | xxxxxx | 35159911 | xxxxxx | 11/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Appraisal reflects Tenant Occupied. Provide the lease agreement as required per guidelines. |  | Reviewer Comment (2025-11-25): As per provided guidelines, lease agreement not required in the file. Exception Cleared. | 11/25/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849790 | xxxxxx | 35159912 | xxxxxx | 11/11/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Investment DSCR will be reviewed on a case by case basis if the home has less than 10 acres in lot size. Rural > 10 acres (xxxxxx). Lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-11): Lender elects to waive with verified compensation factors |  |  | 11/11/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849790 | xxxxxx | 35159913 | xxxxxx | 11/11/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing. Just reflects IS. |  | Reviewer Comment (2025-11-20): Updated HOI provided | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 849847 | xxxxxx | 34925780 | xxxxxx | 11/11/2025 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  | Reviewer Comment (2025-11-14): Received Flood Certificate. Exception cleared. | 11/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849847 | xxxxxx | 34925823 | xxxxxx | 11/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-11-14): Received 1008 with UW name. Exception cleared. | 11/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849847 | xxxxxx | 34955267 | xxxxxx | 11/11/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Proof of Ownership | Processor Cert provided and CPA license provided, however CPA letter was not provided verifying business ownership and ownership %. |  | Reviewer Comment (2025-11-14): Received CPA Letter to verify ownership percentage of business. Exception cleared. | 11/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849847 | xxxxxx | 34955276 | xxxxxx | 11/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Processor Cert provided and CPA license provided, however CPA letter was not provided verifying business ownership and ownership %. |  | Reviewer Comment (2025-11-14): Received CPA Letter to verify ownership percentage of business. Exception cleared. | 11/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849847 | xxxxxx | 34955330 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Processor Cert provided and CPA license provided, however CPA letter was not provided verifying business ownership and ownership %. |  | Reviewer Comment (2025-11-14): Business narrative completed by CPA with all pertinent information dated prior to closing provided. | 11/14/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 849847 | xxxxxx | 34955331 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Processor Cert provided and CPA license provided, however CPA letter was not provided verifying business ownership and ownership %. |  | Reviewer Comment (2025-11-14): Business narrative completed by CPA with all pertinent information dated prior to closing provided. | 11/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849847 | xxxxxx | 34956613 | xxxxxx | 11/11/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Note, 6 month pay history and Mortgage Statement provided for REO property. 12 month VOM not provided as mortgage does not appear on credit. |  | Reviewer Comment (2025-12-05): Payment history for REO property and subject property second lien in file, exception cleared.<br>Reviewer Comment (2025-11-19): 6 month pay history located in file for second lien with xxxxxx. Updated condition to only request was is still missing.<br>Reviewer Comment (2025-11-18): No new documents were uploaded into xxxxxx. Please try to upload again. Exception remains.<br>Reviewer Comment (2025-11-18): No new documents received. Please try uploading again. Exception Remains. | 12/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849932 | xxxxxx | 34944416 | xxxxxx | 11/13/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.91 is less than Guideline PITIA months reserves of 6.00. | FTHB requires 6 months reserves. Gift of Equity cannot be used for reserves. |  | Reviewer Comment (2025-12-17): Evidence of items paid outside of closing received in trailing documents.<br>Reviewer Comment (2025-12-05): PCCD provided; however, borrower is still short verified reserves. Exception remains.<br>Reviewer Comment (2025-12-05): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 4.62 is less than Guideline PITIA months reserves of 6.00. | 12/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849932 | xxxxxx | 34944422 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves |  | Reviewer Comment (2025-12-17): Evidence of items paid outside of closing received in trailing documents.<br>Reviewer Comment (2025-12-05): PCCD provided; however, borrower is still short verified reserves. Exception remains. | 12/17/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 849932 | xxxxxx | 34944423 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves |  | Reviewer Comment (2025-12-17): Evidence of items paid outside of closing received in trailing documents.<br>Reviewer Comment (2025-12-05): PCCD provided; however, borrower is still short verified reserves. Exception remains. | 12/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849982 | xxxxxx | 34935873 | xxxxxx | 11/11/2025 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Investor exception in file. Excessive NSF's (8). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-11-11): Client elects to waive with verified compensation factors |  |  | 11/11/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849982 | xxxxxx | 34935900 | xxxxxx | 11/11/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Form 1007 or 1025, with Market Rents, Insurance Verification, Statement, Tax Verification | 1) Provide the 1007, 1 month rent + security deposit for use of rental income on departure residence 2) Provide evidence of PITIA. |  | Reviewer Comment (2025-12-16): Lender utilized lease agreement plus verification of first month and security deposit for rental income.<br>Reviewer Comment (2025-12-05): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Form 1007 or 1025, with Market Rents, Insurance Verification, Other, Statement, Tax Verification<br>Reviewer Comment (2025-11-17): Received 1 month rent + security deposit for use of rental income on departure residence. 1. Provide the 1007. 2) Provide evidence of PITIA. Exception remains. | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849982 | xxxxxx | 34955500 | xxxxxx | 11/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership for account xxxxxx. No account name listed. |  | Reviewer Comment (2025-11-14): Received bank statement for the account xxxxxx. Exception cleared. | 11/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849982 | xxxxxx | 34955523 | xxxxxx | 11/11/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the Note or mortgage statement for the current primary residence. 13 months bank statements provided. |  | Reviewer Comment (2025-12-05): Property is owned free and clear, invoice provided with lot rents and payment history documented. Exception cleared.<br>Reviewer Comment (2025-11-14): Provide property history report to verify property is free and clear and provide ground lease agreement to verify the monthly lease rent amount. Exception remains. | 12/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849982 | xxxxxx | 34955555 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $350.00 exceeds tolerance of $175.00. $175.00 over legal limit. Insufficient or no cure was provided to the borrower. (xxxxxx) | Cure nor valid COC provided |  | Reviewer Comment (2025-12-17): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-12-12): SitusAMC received invoice. However, we would evidence that the borrower received copy of refund check in order to cure the exception. Kindly provide proof of mailing in order to cure the exception.<br>Reviewer Comment (2025-11-26): SitusAMC received Post CD,LOX and Copy of refund check. However, we would also require proof of mailing in order to cure the exception.<br>Reviewer Comment (2025-11-14): SitusAMC received COC dated xxxxxx indicates invoice received. The receipt of an invoice is not a valid changed circumstance in order for a fee to be re-baselined. If there was an additional reason the fee was added we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure. |  | 12/17/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 849982 | xxxxxx | 34955565 | xxxxxx | 11/11/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. |  |  | Reviewer Comment (2025-11-18): Account holder and evidence of ownership provided for xxxxxx. Added back to funds. Borrower now has sufficient reserves. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849982 | xxxxxx | 34955574 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves |  | Reviewer Comment (2025-11-18): Account holder and evidence of ownership provided for xxxxxx. Added back to funds. Borrower now has sufficient reserves. | 11/18/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 849982 | xxxxxx | 34955575 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves |  | Reviewer Comment (2025-11-18): Account holder and evidence of ownership provided for xxxxxx. Added back to funds. Borrower now has sufficient reserves. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 849982 | xxxxxx | 34955582 | xxxxxx | 11/11/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $35,273.46 is less than Cash From Borrower $60,640.00. |  |  | Reviewer Comment (2025-11-18): Account holder and evidence of ownership provided for xxxxxx. Added back to funds. Borrower now has sufficient reserves. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850023 | xxxxxx | 34763718 | xxxxxx | 10/24/2025 | Credit | Guideline | Guideline Issue | Guideline | The Closing Disclosure or HUD-1 does not reflect that an escrow account for taxes and insurance was established as required by guidelines. |  | Investor Exception - Exception to waive escrows on this DSCR loan and FICO is < 720. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reviewer Comment (2025-10-24): Client elects to waive with verified compensation factors |  |  | 10/24/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 850179 | xxxxxx | 34670665 | xxxxxx | 10/13/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage accounts not reporting on the credit report for Subject property xxxxxx Financial xxxxxx - 1) Provide Mortgage statement or Note to verify monthly payment amount. 2) Proof of borrower's payment for the most recent 6-months.3) Provide mortgage payoff statement |  | Reviewer Comment (2025-10-24): Received Payoff Statement. Exception cleared.<br>Reviewer Comment (2025-10-21): Received 6 months mortgage statements. Provide mortgage payoff statement. Exception remains. | 10/24/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 850179 | xxxxxx | 34701671 | xxxxxx | 10/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx signed the Guarantor Agreement, however no credit documents were provided for this individual (i.e. application, credit report, fraud report, ofac, ID, citizenship, housing history, etc). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-15): Client elects to waive with verified compensation factors |  |  | 10/15/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 850182 | xxxxxx | 34945034 | xxxxxx | 11/13/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: BPO / Valuation Report date: xxxxxx | Note shows city name as xxxxxx vs. City name given on xxxxxx. |  | Reviewer Comment (2025-11-18): Updated BPO provided | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850182 | xxxxxx | 34981315 | xxxxxx | 11/13/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary property is free and clear as the xxxxxx report reflects a xxxxxx lien not reported on credit or released. |  | Reviewer Comment (2025-11-18): Screen shot provided reflecting DOT mortgage stamped released and recorded. Matches lien xxxxxx from xxxxxx report. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850193 | xxxxxx | 34757956 | xxxxxx | 10/23/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA: Reflects xxxxxx. |  | Reviewer Comment (2025-10-31): An updated CDA was provided.<br>Reviewer Comment (2025-10-28): Received corrected appraisal. Pending receipt of updated CDA. CDA was provided therefore must be updated. | 10/31/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 850193 | xxxxxx | 34757958 | xxxxxx | 10/23/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal & 442: Reflects xxxxxx. |  | Reviewer Comment (2025-10-31): An updated appraisal was provided.<br>Reviewer Comment (2025-10-28): Received updated appraisal. Pending receipt of updated 442. | 10/31/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 850193 | xxxxxx | 34777215 | xxxxxx | 10/23/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance and RCE reflects xxxxxx. |  | Reviewer Comment (2025-11-04): Updated HOI provided | 11/04/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 850193 | xxxxxx | 34777217 | xxxxxx | 10/23/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate reflects xxxxxx. |  | Reviewer Comment (2025-10-28): Updated flood cert provided | 10/28/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 850193 | xxxxxx | 34778536 | xxxxxx | 10/23/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal reflects Tenant Occupied. 1007 reflects Vacant. Per guidelines, if property is occupied and lease is not provided, 1007 at minimum must reflect the actual rents to determine within 120% of estimated rents. If property is vacant, provide the updated appraisal. |  | Reviewer Comment (2025-10-31): Received updated Appraisal. Exception cleared.<br>Reviewer Comment (2025-10-28): Received Appraisal Report and 1007. However, the Apprisal report reflects the same report date xxxxxx . Provide updated Appraisal Report to reflect the correct report date. Exception remains. | 10/31/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 850240 | xxxxxx | 34838869 | xxxxxx | 11/03/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Please provide hazard policy which includes hazard premium amount. |  | Reviewer Comment (2025-11-06): Received Hazard Insurance Policy. Exception cleared. | 11/06/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 850257 | xxxxxx | 34941999 | xxxxxx | 11/13/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-03): Waived with compensating factors per investor direction. |  |  | 12/03/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850259 | xxxxxx | 35190119 | xxxxxx | 10/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement not provided in Loan file. |  | Reviewer Comment (2025-11-13): Received | 11/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 850286 | xxxxxx | 35170333 | xxxxxx | 10/14/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx |  |  | Reviewer Comment (2025-11-07): Provided and cleared.<br>Reviewer Comment (2025-11-04): HOI provided effective date is after closing date. Exception remains | 11/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850286 | xxxxxx | 35170335 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $866,558.33 is over disclosed by $775.00 compared to the calculated Amount Financed of $865,783.33 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Amount Financed in the amount of $866,558.33 is over disclosed by $775.00 compared to the calculated Amount Financed of $865,783.33 |  | Reviewer Comment (2025-12-02): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-11-04): xxxxxx requires the use of an attorney and is tested as a finance charge. |  | 12/02/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850286 | xxxxxx | 35170336 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,369,141.39 is under disclosed by $775.00 compared to the calculated Finance Charge of $1,369,916.39 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $1,369,141.39 is under disclosed by $775.00 compared to the calculated Finance Charge of $1,369,916.39 |  | Reviewer Comment (2025-12-02): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-11-04): xxxxxx requires the use of an attorney and is tested as a finance charge. |  | 12/02/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850286 | xxxxxx | 35170338 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to missing third party verification/VVOE for employment at xxxxxx |  | Reviewer Comment (2025-12-02): VVOE provided and cleared.<br>Reviewer Comment (2025-12-01): DTI increases to 85.25897% without income from 2nd job, please advise if you would like me to remove income and set DTI failure.<br>Reviewer Comment (2025-11-25): Exception is for missing VOE for wage stream with xxxxxx. SE business verification already accounted for. Exception remains. | 12/02/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850286 | xxxxxx | 35170339 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) | Waterfall due to missing third party verification/VVOE for employment at xxxxxx |  | Reviewer Comment (2025-12-02): VVOE provided and cleared. | 12/02/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850286 | xxxxxx | 35170340 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing third party verification/VVOE for employment at xxxxxx |  | Reviewer Comment (2025-12-02): VVOE provided and cleared. | 12/02/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850286 | xxxxxx | 35170341 | xxxxxx | 10/14/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | Missing VVOE for wage income. |  | Reviewer Comment (2025-12-02): VVOE provided and cleared. | 12/02/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850286 | xxxxxx | 35170342 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing third party verification/VVOE for employment at xxxxxx |  | Reviewer Comment (2025-12-02): VVOE provided and cleared. | 12/02/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850289 | xxxxxx | 34781825 | xxxxxx | 10/09/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-10-20): Final title provided | 10/20/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 850289 | xxxxxx | 34781826 | xxxxxx | 10/09/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-10-20): Final title provided | 10/20/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 850290 | xxxxxx | 35215863 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are overdisclosed. (Final xxxxxx) |  |  | Reviewer Comment (2025-12-05): Cure docs provided.<br>Reviewer Comment (2025-10-14): Estimated Taxes, Insurance & Assessments on page 1 of the CD is $0 and estimated Property Costs over Year 1 is blank. |  | 12/05/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850290 | xxxxxx | 35215864 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed. (Final xxxxxx) |  |  | Reviewer Comment (2025-12-05): Cure docs provided.<br>Reviewer Comment (2025-10-14): Estimated Taxes, Insurance & Assessments on page 1 of the CD is $0 and estimated Property Costs over Year 1 is blank. |  | 12/05/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850290 | xxxxxx | 35215865 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx disclosed there are no escrows on Page 1 but will have escrow account on page 4 |  | Reviewer Comment (2025-12-05): Cure docs provided.<br>Reviewer Comment (2025-11-04): xxxxxx. An amended CD showing there will be no escrow account on page 4, as well as the accompanying LOE to borrower will cure exception.<br>Reviewer Comment (2025-10-31): Need corrected CD and LOE to borrower. Final Closing Disclosure provided on xxxxxx disclosed there are no escrows on Page 1 but will have escrow account on page 4. Page 4 is inaccurate. |  | 12/05/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850290 | xxxxxx | 35215866 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Due to mismatch on Final Closing Disclosure provided on xxxxxx disclosed there are No escrows on Page 1 but will have escrow account on page 4 |  | Reviewer Comment (2025-12-05): Cure docs provided. |  | 12/05/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850290 | xxxxxx | 35215868 | xxxxxx | 10/14/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verification of self-employed business required to be within 10 business days of closing per xxxxxx guidelines. |  | Reviewer Comment (2025-10-29): Post-close SOS verif. provided and cleared. | 10/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850290 | xxxxxx | 35215869 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Verification of self-employed business required to be within 10 business days of closing per xxxxxx guidelines. |  | Reviewer Comment (2025-10-29): Post-close SOS verif. provided and cleared. | 10/29/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850290 | xxxxxx | 35215870 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Verification of self-employed business required to be within 10 business days of closing per xxxxxx guidelines. |  | Reviewer Comment (2025-10-29): Post-close SOS verif. provided and cleared. | 10/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850290 | xxxxxx | 35215871 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Verification of self-employed business required to be within 10 business days of closing per xxxxxx guidelines. |  | Reviewer Comment (2025-10-29): Post-close SOS verif. provided and cleared. | 10/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850293 | xxxxxx | 35190099 | xxxxxx | 10/17/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE - Employment Only | Provide VVOE document for borrower xxxxxx from employer xxxxxx |  | Reviewer Comment (2025-12-08): Provided and cleared.<br>Reviewer Comment (2025-11-19): We are not using B2 income to qualify. This exception is for missing B1 VVOE for wage income stream. Exceptions remains. | 12/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850293 | xxxxxx | 35190100 | xxxxxx | 10/17/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | No evidence of fraud report in file for xxxxxx. |  | Reviewer Comment (2025-12-05): Provided and cleared.<br>Reviewer Comment (2025-11-18): Exception due to provided fraud report not reflecting co-borrower information. Please provide report for B2. | 12/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850293 | xxxxxx | 35190101 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Provide VVOE document for borrower xxxxxx from employer xxxxxx |  | Reviewer Comment (2025-12-08): Provided and cleared. | 12/08/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850293 | xxxxxx | 35190102 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) | Provide VVOE document for borrower xxxxxx from employer xxxxxx |  | Reviewer Comment (2025-12-08): Provided and cleared. | 12/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850293 | xxxxxx | 35190103 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Provide VVOE document for borrower xxxxxx from employer xxxxxx |  | Reviewer Comment (2025-12-08): Provided and cleared. | 12/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850293 | xxxxxx | 35190106 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. $175.00 over legal limit. Insufficient or no cure was provided to the borrower. (75103) | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. $175.00 over legal limit. Insufficient or no cure was provided to the borrower. (75103) |  | Reviewer Comment (2025-11-18): LE and COC provided and cleared.<br>Reviewer Comment (2025-11-07): Failure is for appraisal re-inspection fee, not appraisal review fee. Appraisal re-inspection fee added to revised LE issued xxxxxx without a valid change of circumstance found in file. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850293 | xxxxxx | 35190107 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Provide VVOE document for borrower xxxxxx from employer xxxxxx |  | Reviewer Comment (2025-12-08): Provided and cleared. | 12/08/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850293 | xxxxxx | 35190108 | xxxxxx | 10/17/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Provide VVOE document for borrower xxxxxx from employer xxxxxx |  | Reviewer Comment (2025-12-08): Provided and cleared. | 12/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850295 | xxxxxx | 34776810 | xxxxxx | 10/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing Final HUD-1. Only an estimated closing statement provided in loan file. |  | Reviewer Comment (2025-10-15): Closing statement provided, exception cleared. | 10/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850306 | xxxxxx | 34776807 | xxxxxx | 10/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD/CD is missing in Loan file. |  | Reviewer Comment (2025-10-15): HUD1 provided exception cleared. | 10/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850322 | xxxxxx | 34812096 | xxxxxx | 10/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested for non-warrantable condo with 96% investor concentration. Property is a xxxxxx. The exception is approved and meet all the other guidelines. | The representative FICO score exceeds the guideline minimum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-10-22): Waived<br>Reviewer Comment (2025-10-16): Client elects to downgrade and waive based on comp factors: Borrower has 6 months reserves. Borrower's Own Funds Percent: 100.00%. Borrower's Own Funds Amount: $342,588.59 |  |  | 10/22/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 850327 | xxxxxx | 35130930 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $501,722.50 is over disclosed by $9,990.00 compared to the calculated Amount Financed of $491,732.50 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Amount Financed in the amount of $501,722.50 is over disclosed by $9,990.00 compared to the calculated Amount Financed of $491,732.50 |  | Reviewer Comment (2025-11-17): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-11-12): My xxxxxx. The provided image does not indicate a tracking number. The tracking number provided in the comments is short number(s) and does not appear on the Fed Ex Website. Please provide tracking number again.<br>Reviewer Comment (2025-11-10): Please provide airbill number for fedex package for verification. |  | 11/17/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850327 | xxxxxx | 35130932 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $652,997.91 is under disclosed by $9,990.00 compared to the calculated Finance Charge of $662,987.91 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $652,997.91 is under disclosed by $9,990.00 compared to the calculated Finance Charge of $662,987.9 |  | Reviewer Comment (2025-11-17): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-11-12): My xxxxxx. The provided image does not indicate a tracking number. The tracking number provided in the comments is short number(s) and does not appear on the Fed Ex Website. Please provide tracking number again.<br>Reviewer Comment (2025-11-10): Please provide airbill number for fedex package for verification. |  | 11/17/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850327 | xxxxxx | 35130933 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). (Final xxxxxx) | Disbursement date is missing on final CD. |  | Reviewer Comment (2025-10-15): Cure docs in file. |  | 10/15/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850327 | xxxxxx | 35130936 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing verification of B1 business dated within 10 business days of closing. |  | Reviewer Comment (2025-11-14): Third party verif. of P&L business provided and cleared. | 11/14/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850327 | xxxxxx | 35130937 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - P&L Statement Only | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx/P&L Statement Only) | Missing verification of B1 business dated within 10 business days of closing. |  | Reviewer Comment (2025-11-14): Third party verif. of P&L business provided and cleared.<br>Reviewer Comment (2025-10-20): Trailing doc is for B3 but this exception is due to missing B1 verification of business. Exception remains | 11/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850327 | xxxxxx | 35130938 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing verification of B1 business dated within 10 business days of closing. |  | Reviewer Comment (2025-11-14): Third party verif. of P&L business provided and cleared. | 11/14/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850327 | xxxxxx | 35130939 | xxxxxx | 10/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing verification of B1 business dated within 10 business days of closing. |  | Reviewer Comment (2025-11-14): Third party verif. of P&L business provided and cleared.<br>Reviewer Comment (2025-10-20): Trailing doc is for B3 but this exception is due to missing B1 verification of business. Exception remains | 11/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850327 | xxxxxx | 35130940 | xxxxxx | 10/15/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2025-10-31): Provided and cleared. | 10/31/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850340 | xxxxxx | 34744493 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-11-03): Received Business Purpose Certificate. Exception cleared.<br>Reviewer Comment (2025-10-29): Received Business Purpose Certificate contains incorrect loan amount. Provide revised Business Purpose Certificate. Exception remains. | 11/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850340 | xxxxxx | 34744496 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide the OA or Borrowing Cert. |  | Reviewer Comment (2025-10-29): Received Operating Agreement. Exception cleared. | 10/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850340 | xxxxxx | 34772867 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, settlement agent, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-11-05): Received Fraud and OFAC search run on settlement agent, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-10-29): Received updated Fraud Report. Fraud and OFAC search run on the settlement agent. However, there are red flags that are not addressed. Exception remains. | 11/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850340 | xxxxxx | 34777141 | xxxxxx | 10/22/2025 | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | Alternative tradelines consisting of two of the following: Two Credit reference letter(s) from the borrower's country of origin with the following info: State the type and length of the relationship, how the accounts are held, and status of the account. Contact information must be provided for the person signing the letter; and Any translation must be signed and dated by a certified translator. |  | Reviewer Comment (2025-10-29): Received two credit reference letter. Exception cleared. | 10/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850421 | xxxxxx | 34927423 | xxxxxx | 11/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-11-21): Received Fraud and OFAC search run on seller, xxxxxx. Exception cleared. | 11/21/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 850421 | xxxxxx | 34927501 | xxxxxx | 11/12/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Transaction is Purchase , but 1004 shows transaction as Refinance and does not reflect the purchase contract was analyzed nor the information pertaining to it. Provide the updated appraisal. |  | Reviewer Comment (2025-11-21): Received corrected 1004. Exception cleared. | 11/21/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 850438 | xxxxxx | 34788255 | xxxxxx | 10/29/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-06): Prepayment Rider is already in file. Provide Note Addendum - Prepayment. Exception remains.<br>Reviewer Comment (2025-11-03): The exception has been cited for missing Note Addendum - Prepayment; however, the document provided is the Prepayment Rider which was already in the file earlier. Kindly provide Note Addendum - Prepayment document. Exception remains. |  |  | 11/06/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | Yes | Property Focused |
| xxxxxx | 850438 | xxxxxx | 34788291 | xxxxxx | 10/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | OFAC missing for seller representative - xxxxxx |  | Reviewer Comment (2025-11-03): Received updated Fraud Report. Fraud & OFAC search ran on the Seller representative - xxxxxx. Exception cleared. | 11/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 850438 | xxxxxx | 34834034 | xxxxxx | 10/29/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing source of EMD for $54,000. Please provide a Bank Statement showing the withdrawal of funds. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-06): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-03): The document received was already provided earlier (Copy of wire from borrower's trust to title company). Kindly provide document as per the original exception cited. Exception remains. |  |  | 11/06/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 850480 | xxxxxx | 34847536 | xxxxxx | 11/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Address on Replacement cost estimator is xxxxxx, however on note subject address is xxxxxx. |  | Reviewer Comment (2025-11-25): Received corrected Replacement Cost Estimator. Exception cleared. | 11/25/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850480 | xxxxxx | 34847552 | xxxxxx | 11/03/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Address on Appraisal Report is xxxxxx, however on note subject address is xxxxxx. |  | Reviewer Comment (2025-11-19): Updated appraisal provided | 11/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850480 | xxxxxx | 34847555 | xxxxxx | 11/03/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Address on Flood certificate is xxxxxx, however on note subject address is xxxxxx. |  | Reviewer Comment (2025-11-19): Updated flood cert provided | 11/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850480 | xxxxxx | 34847558 | xxxxxx | 11/03/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Address on Hazard policy is xxxxxx, however on note subject address is xxxxxx. |  | Reviewer Comment (2025-11-25): Received corrected Hazard Insurance Policy. Exception cleared. | 11/25/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850480 | xxxxxx | 34847578 | xxxxxx | 11/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx. |  | Reviewer Comment (2025-11-06): Received Fraud and OFAC searches run on settlement agent, xxxxxx. Exception cleared. | 11/06/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850480 | xxxxxx | 34853969 | xxxxxx | 11/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final Closing statement has address as xxxxxx and note has xxxxxx. |  | Reviewer Comment (2025-11-26): Updated final settlement statement received reflecting correct address.<br>Reviewer Comment (2025-11-19): Amended closing statement is not stamped certified | 11/26/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850500 | xxxxxx | 34870408 | xxxxxx | 11/06/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide evidence of ownership and ownership % in xxxxxx |  | Reviewer Comment (2025-11-10): Ownership and ownership % provided | 11/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850500 | xxxxxx | 34870412 | xxxxxx | 11/06/2025 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx |  |  | Reviewer Comment (2025-11-10): Spousal consent provided | 11/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850523 | xxxxxx | 35190126 | xxxxxx | 11/07/2025 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss coverage not provided in renewal policy. |  | Reviewer Comment (2025-12-01): Rent loss insurance documented for the entire commercial policy on all properties included. Exception cleared.<br>Reviewer Comment (2025-11-20): Rent loss insurance documented for the entire commercial policy on all properties included. Exception cleared. | 12/01/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 850523 | xxxxxx | 35190127 | xxxxxx | 11/07/2025 | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | Credit Report: Original // Borrower: xxxxxx | Fraud report reflect a crime that is not categorized. Provide documentation verifying if crime was fraud/misrepresentation or a felony. Comprehensive background report provided confirming no felony or fraud convictions, and all misdemeanors are > 10 years old" We approve this and it has been added on our end as well | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-01): Waived with compensating factors per client direction. |  |  | 12/01/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 850523 | xxxxxx | 35190128 | xxxxxx | 11/07/2025 | Credit | Business Purpose | General | Business Purpose | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | Credit Report: Original // Borrower: xxxxxx | Provide documentation if borrower has been convicted of fraud/misrepresentation or a felony. Comprehensive background report provided confirming no felony or fraud convictions, and all misdemeanors are > 10 years old" We approve this and it has been added on our end as well | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-01): Waived with compensating factors per client direction. |  |  | 12/01/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 850548 | xxxxxx | 34758272 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other | Provide evidence properties are free and clear. |  | Reviewer Comment (2025-11-10): Received proof of free & clear document. Exception cleared. | 11/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850548 | xxxxxx | 34758339 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Insurance Verification, Other<br> Insurance Verification, Other<br> Other<br> Insurance Verification, Other<br> Insurance Verification, Other | Provide evidence properties are free and clear and evidence of HOI. |  | Reviewer Comment (2025-11-20): Received the LOE confirming no HOI policies. Exception cleared.<br>Reviewer Comment (2025-11-17): Received evidence of free & clear, however, Insurance verification is still pending for the following properties. If HOI policies are not issued for the following properties then provide a LOE from borrower confirming there are no HOI policies on the following properties:<br> 1. xxxxxx 2. xxxxxx. 3. xxxxxx. 4. xxxxxx. Exception remains. | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850548 | xxxxxx | 34758420 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide evidence the property is free and clear. |  | Reviewer Comment (2025-11-17): Received property history report and HOI policy both indicating the property is owned free & clear. Exception cleared. | 11/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850548 | xxxxxx | 34758531 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other<br> HOA Verification, Other<br> HOA Verification, Other | 1. Per Final 1003 and concurrent loans xxxxxx respectively, the above listed properties at xxxxxx. has recently opened a new mortgage lien and the documents are missing in the file. Provide first payment letter or final CD to verify the PITIA payments.<br>2.The Final CD provided on concurrent loan xxxxxx & xxxxxx indicates the following properties have a monthly HOA dues. Provide HOA certificate to verify the monthly HOA dues on the properties listed below:<br> (a) xxxxxx. and (b) xxxxxx. |  | Reviewer Comment (2025-11-17): Received Final CDs and First payment letters along with the HOA verification. Exception cleared. | 11/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850548 | xxxxxx | 34758536 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Statement<br> Statement<br> Statement<br> Statement<br> Statement | The above listed properties are reflecting on Final 1003 without any evidence of PITIA payments. Provide evidence of the PITIA payments to be added to the DTI and 12 months housing history for each or evidence free and clear or provide evidence borrower is not obligated to the liens. |  | Reviewer Comment (2025-12-10): REO documents received.<br>Reviewer Comment (2025-12-01): EXCEPTION HISTORY - Exception Detail was updated on 12/01/2025 PRIOR Exception Detail: Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx<br> EXCEPTION HISTORY - Exception Explanation was updated on 12/01/2025 PRIOR Exception Explanation: Statement<br> Statement<br> Statement<br> Statement<br> Statement<br> Statement<br>Reviewer Comment (2025-11-26): Property History Report document received for REO properties which is already associated. Mortgage Statements documents or supportive documents are not received for REO property as xxxxxx. Exception Remains.<br>Reviewer Comment (2025-11-20): Only received the LOE for Insurance verification, however, the document requested are for xxxxxx., per the property history report, the property at xxxxxx. reflects a lien from private party in the amount of xxxxxx. Provide supporting documents to verify the payment terms and also provide evidence of free & clear for the following properties A. xxxxxx., B. xxxxxx. C. xxxxxx. D. xxxxxx.. Exception remains.<br>Reviewer Comment (2025-11-17): Received proof of free & clear for xxxxxx., however, the provided property history report for xxxxxx. reflects a lien from private party. Provide proof of free & clear for the pending properties A. xxxxxx., B. xxxxxx. C. xxxxxx. D. xxxxxx. and provide supporting document to verify the PITIA payments for the private lien on property xxxxxx. Exception remains. | 12/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850548 | xxxxxx | 34758558 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | The provided mortgage statements and HOI policy in file for the above listed properties reflect the business name. Provide evidence the property and mortgage lien are owned by the business for exclusion. |  | Reviewer Comment (2025-11-14): Received & associated all the relevant documents for the property xxxxxx. Exception cleared. | 11/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850548 | xxxxxx | 34772910 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: HOA dues not provided. |  | The Final CD reflects the subject property has non-escrowed HOA dues, however the borrower LOE in file reflects no HOA dues on this property as well as the appraisal does not reflect HOA dues. |  | Reviewer Comment (2025-11-17): Received corrected Post-Close CD reflecting there are no HOA dues on the property. Exception cleared. | 11/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850548 | xxxxxx | 34773244 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Borrowing Entity documents not provided: Articles of Org, COGS dated within 120 days of closing, and Operating Agreement or Borrowing Cert (An LOE from the borrower is not allowed). |  | Reviewer Comment (2025-11-17): Received all the required LLC documents including Operating Agreement. Exception cleared. | 11/17/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850549 | xxxxxx | 34747468 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other<br> Other | Provide evidence properties are free and clear |  | Reviewer Comment (2025-11-17): Received proof of free & clear. Exception cleared.<br>Reviewer Comment (2025-11-10): Provide evidence property xxxxxx is free and clear. Exception remains. | 11/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850549 | xxxxxx | 34747515 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | Provide evidence properties are free and clear and evidence of HOI. |  | Reviewer Comment (2025-12-10): HOI for xxxxxx received.<br>Reviewer Comment (2025-12-01): EXCEPTION HISTORY - Exception Detail was updated on 12/01/2025 PRIOR Exception Detail: Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx<br> EXCEPTION HISTORY - Exception Explanation was updated on 12/01/2025 PRIOR Exception Explanation: Insurance Verification<br> Insurance Verification, Other<br> Insurance Verification, Other<br> Insurance Verification, Other<br> Insurance Verification, Other<br> Insurance Verification, Other<br>Reviewer Comment (2025-11-26): Insurance Verification document is not available in file for REO property as "xxxxxx". Exception Remains.<br>Reviewer Comment (2025-11-20): Received the same HOI policy which was provided earlier and no LOE was provided for other properties. The provided HOI policy is not acceptable as the premium are for 2 properties, xxxxxx & xxxxxx. Provide HOI premium bifurcation for xxxxxx & xxxxxx. Additionally, provide the LOE for xxxxxx and xxxxxx. Exception remains.<br>Reviewer Comment (2025-11-17): Received property profiles indicating free and clear status for xxxxxx and xxxxxx. However, HOI documents are still required for the following properties: xxxxxx, and xxxxxx. Alternatively, please provide proof that HOI is not required for these properties. Exception remains.<br>Reviewer Comment (2025-11-10): 1) Provide evidence properties are free and clear and evidence of HOI for the properties: (a) xxxxxx & (b) xxxxxx.<br> 2) Provide Only Hazard Insurance policy for these properties: (a) xxxxxx, (b) xxxxxx & (c) xxxxxx. As per the property profile report the property type is SFR not land, so HOI is required. Exception remains. | 12/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850549 | xxxxxx | 34747534 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other<br> Other<br> Other<br> Other | The above listed properties are reflecting on Final 1003 without any evidence of PITIA payments. Provide evidence of the PITIA payments to be added to the DTI and 12 months housing history for each or evidence free and clear or provide evidence borrower is not obligated to the liens. |  | Reviewer Comment (2025-11-17): Received proof of free & clear, exception cleared. | 11/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850549 | xxxxxx | 34747544 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx Other<br> Other | As per Final 1003 & concurrent loans xxxxxx & xxxxxx respectively, the property at xxxxxx has recently opened a new mortgage lien and the documents are missing in the file. Provide first payment letter or final CD to verify the P&I payments. |  | Reviewer Comment (2025-11-20): Received First payment letter for the pending property. Exception cleared.<br>Reviewer Comment (2025-11-17): Received the same document, which was provided earlier, kindly provide the first payment letter or Final CD for the properties (xxxxxx and Address: xxxxxx) to verify P&I payments. Exception remains.<br>Reviewer Comment (2025-11-03): Documents provided are for other loan exception ID: xxxxxx as documents received are for the units xxxxxx Exception remains with original comments. | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850549 | xxxxxx | 34747551 | xxxxxx | 10/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx HOA Verification, Other<br> HOA Verification, Other<br> HOA Verification, Other | 1. As per Final 1003 in file, the following listed properties has recently opened a new mortgage lien and the documents are missing in the file. Provide first payment letter or final CD to verify the PITIA payments.<br> (a) xxxxxx, (b) xxxxxx and (c) xxxxxx<br>2. As per the Final CD provided on concurrent loan xxxxxx respectively, the following properties have an HOA dues. Provide HOA certificate to verify monthly HOA dues:<br> (a) xxxxxx, (b) xxxxxx and (c) xxxxxx |  | Reviewer Comment (2025-11-03): Received Final CDs and HOA verification for above listed properties. Exception cleared. | 11/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850549 | xxxxxx | 34773256 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Borrowing Entity documents not provided: Articles of Org, COGS dated within 120 days of closing, and Operating Agreement or Borrowing Cert (An LOE from the borrower is not allowed). |  | Reviewer Comment (2025-11-10): Received all the appropriate documents. Exception cleared. | 11/10/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 850561 | xxxxxx | 34944196 | xxxxxx | 11/12/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-11-19): E-consent provided<br>Reviewer Comment (2025-11-18): No new documents were uploaded into clarity. Please try to upload again. Exception remains.<br>Reviewer Comment (2025-11-18): No new document was uploaded into clarity. Please provide E-Sign Consent Agreement. Exception remains. | 11/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850561 | xxxxxx | 34944356 | xxxxxx | 11/12/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | No mortgages were paid off at closing and property is free and clear. H-8 should have been utilized. |  | Reviewer Comment (2025-12-18): Letter of Explanation, proof of delivery, recscission reopened all with the correct model form. Exception cured.<br>Reviewer Comment (2025-12-09): The corrected RTC form was provided and signed by all partied; however, in order to cure the exception the following is needed: Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. Exception remains. |  | 12/18/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 850561 | xxxxxx | 34965718 | xxxxxx | 11/12/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other | Provide the property profile reports to support property is free and clear. Fraud report reflects liens on each property. HOI with no mortgagee is not acceptable for free and clear as these are omitted at time. |  | Reviewer Comment (2025-12-18): Property reports provided for each property to verify free and clear. Exception cleared.<br>Reviewer Comment (2025-12-11): No additional documents have been received. Please try resending.<br>Reviewer Comment (2025-11-18): The email is not acceptable. The property profile reports from each property reflecting free and clear is required. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850561 | xxxxxx | 34965743 | xxxxxx | 11/12/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003 for the REO on xxxxxx. Property address is xxxxxx. |  | Reviewer Comment (2025-12-18): Corrected 1003 provided and evidence provided to the borrower, exception cleared.<br>Reviewer Comment (2025-12-09): The updated 1003 was provided with the address corrected; however, the file is missing evidence the updated 1003 was provided to the borrower. Exception remains. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 850575 | xxxxxx | 34776422 | xxxxxx | 10/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | COGS in file is > 120 days old (Status date xxxxxx). |  | Reviewer Comment (2025-10-28): Received Certificate of Good Standing with pulled date xxxxxx . Exception cleared. | 10/28/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 850603 | xxxxxx | 34783726 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $525.00. $225.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fee was disclosed on Initial Loan Estimate as $525.00 and was later disclosed on the revised to $750.00 on the final CD. No valid COC was provided. |  | Reviewer Comment (2025-11-10): SitusAMC received Specific Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-11-10): SItusAMC received no new cure documents for increase in appraisal fee and Rent schedule fee. Previously provided cure docs for $24.95 was sufficient to cure only MERS fee. Please provide cure docs for $375.00.<br>Reviewer Comment (2025-10-29): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. |  | 11/10/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 850603 | xxxxxx | 34783733 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MERS Fee. Fee Amount of $24.95 exceeds tolerance of $0.00. $24.95 over legal limit. Insufficient or no cure was provided to the borrower. (7539) | The MERS Fee was disclosed on Initial Loan Estimate as $25.00 under section H and was later disclosed on the section B of revised Loan Estimate dated due to which the MERS Fee exceeds the tolerance. |  | Reviewer Comment (2025-10-31): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 10/31/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 850603 | xxxxxx | 34807743 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Comparable Rent Schedule for Retained REO. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. (7543) | Fee not shown on LE and no valid COC was provided. |  | Reviewer Comment (2025-11-21): SitusAMC received valid COC document<br>Reviewer Comment (2025-11-10): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for $225 and proof of mailing. Page 3 of CD reflects only lender credits for MERS fee $25.95 & Appraisal $225. No proof of curing this fee tolerance violation or a valid changed circumstance was received.<br>Reviewer Comment (2025-11-10): SItusAMC received no new cure documents for increase in Rent schedule fee. Previously provided cure docs for $24.95 was sufficient to cure only MERS fee. Please provide cure docs for $375.00.<br>Reviewer Comment (2025-10-29): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. | 11/21/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 850693 | xxxxxx | 34786568 | xxxxxx | 10/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  | Reviewer Comment (2025-10-30): A gap report was provided. | 10/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850693 | xxxxxx | 34786834 | xxxxxx | 10/27/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | xxxxxx Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  | Reviewer Comment (2025-10-30): HPML Attestation was provided. | 10/30/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850693 | xxxxxx | 34786835 | xxxxxx | 10/27/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx HPML Threshold Test Non-Compliant | xxxxxx Higher-Priced Mortgage Loan: APR on subject loan of 9.36612% or Final Disclosure APR of 9.42300% is equal to or greater than the threshold of APOR 6.31% + 1.5%, or 7.81000%. Non-Compliant Higher Priced Loan. |  |  | Reviewer Comment (2025-10-27): Client elects to waive |  |  | 10/27/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850693 | xxxxxx | 34805793 | xxxxxx | 10/27/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003. Borrower is not a Perm Resident but Non-Perm per docs in file. |  | Reviewer Comment (2025-10-30): An updated 1003 was provided | 10/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850693 | xxxxxx | 34805798 | xxxxxx | 10/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is a Non-Perm resident per EAD card in file. Income requirements are 24 months and only 12 months was provided. |  | Reviewer Comment (2025-10-30): An updated bank statement worksheet covering 24 months was provided. | 10/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850693 | xxxxxx | 34805878 | xxxxxx | 10/27/2025 | Credit | Guideline | Guideline Issue | Guideline | Gift funds are not permitted for loan program. |  | Gift funds not allowed for Non-Perm residents. | Borrower has been employed in the same industry for more than 5 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2025-12-18): Waived with compensating factors per investor direction.<br>Reviewer Comment (2025-12-11): File updated to reflect xxxxxx assets provided in trailing docs. Investor to confirm they are requesting to waive the condition as gift funds not allowed for non-perm residents.<br>Reviewer Comment (2025-11-10): Receiving $5,000 in gift funds is still receiving gift funds and they were used for the EMD. Further, removing the gift funds of $25,000, the borrower is short reserves, even with updated xxxxxx provided. There is an official check for funds to close in the amount of $107,799.49 but no supporting bank statement to support this is the borrower's funds. Came from xxxxxx. |  |  | 12/18/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850755 | xxxxxx | 34956662 | xxxxxx | 11/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $140.00 exceeds tolerance of $0.00. $140.00 over legal limit. Insufficient or no cure was provided to the borrower. (7571) | Verification Of Employment Fee was not disclosed on the Loan Estimate, but was disclosed as $140.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $140.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-12-05): SitusAMC received a valid COC.<br>Reviewer Comment (2025-11-18): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the VOE fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 12/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850755 | xxxxxx | 34989614 | xxxxxx | 11/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $312,331.57 is over disclosed by $210.00 compared to the calculated Amount Financed of $312,121.57 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Lender did not include the $210 Appraisal Management Fee. |  | Reviewer Comment (2025-11-18): SitusAMC received lender attestation giving services on AMC fee were primarily for appraisal verification & confirmation & 4c7 excludable. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850755 | xxxxxx | 34989615 | xxxxxx | 11/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $563,950.21 is under disclosed by $210.00 compared to the calculated Finance Charge of $564,160.21 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Lender did not include the $210 Appraisal Management Fee. |  | Reviewer Comment (2025-11-18): SitusAMC received lender attestation giving services on AMC fee were primarily for appraisal verification & confirmation & 4c7 excludable. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850755 | xxxxxx | 34989624 | xxxxxx | 11/14/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Hazard policy shows city as xxxxxx and Note has xxxxxx. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-12-18): Waived with compensating factors. |  |  | 12/18/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850774 | xxxxxx | 34744417 | xxxxxx | 10/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-10-23): Received Business Purpose Certificate. Exception cleared. | 10/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 850774 | xxxxxx | 34744419 | xxxxxx | 10/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report not provided. All participants must be included in Fraud Report. |  | Reviewer Comment (2025-10-23): Received Fraud report with all participants search. Exception cleared. | 10/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 850774 | xxxxxx | 34744420 | xxxxxx | 10/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2025-10-23): Received executed copy of Guarantor Agreement. Exception cleared. | 10/23/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 850774 | xxxxxx | 34744421 | xxxxxx | 10/21/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | HO6 policy is missing. Blanket does not reflect In Walls coverage. |  | Reviewer Comment (2025-10-23): Received Hazard Insurance Policy. Exception cleared. | 10/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 850774 | xxxxxx | 34744422 | xxxxxx | 10/21/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2025-10-23): Received Fraud report. Fraud & OFAC searches are included. Exception cleared | 10/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 850774 | xxxxxx | 34744424 | xxxxxx | 10/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-10-23): Received Operating Agreement. Exception cleared. | 10/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 850774 | xxxxxx | 34763906 | xxxxxx | 10/21/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood cert is missing xxxxxx in the property address |  | Reviewer Comment (2025-10-23): Received updated Flood Certificate reflecting xxxxxx in the property address. Exception cleared. | 10/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 850774 | xxxxxx | 34768660 | xxxxxx | 10/21/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The subject property lien does not appear on credit. Provide the mortgage statement or original Note, payoff, and 12 month VOM or creditor/servicer pay history along with borrower's 6 month rent pay history via bank statements/cancelled checks. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-10-27): Client elects to waive with verified compensation factors |  |  | 10/27/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 850775 | xxxxxx | 34743986 | xxxxxx | 10/21/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2025-10-23): Received Fraud report including OFAC searches. Exception cleared. | 10/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 850775 | xxxxxx | 34743987 | xxxxxx | 10/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  | Reviewer Comment (2025-10-23): Received Business Purpose affidavit. Exception cleared. | 10/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 850775 | xxxxxx | 34743988 | xxxxxx | 10/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud Report missing. Must include all particpants. |  | Reviewer Comment (2025-10-23): Received Fraud report including all the participants. Exception cleared. | 10/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 850775 | xxxxxx | 34743989 | xxxxxx | 10/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  | Reviewer Comment (2025-10-23): Received Guaranty Agreement. Exception cleared. | 10/23/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 850775 | xxxxxx | 34743991 | xxxxxx | 10/21/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-10-23): Received Operating Agreement. Exception cleared. | 10/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 850775 | xxxxxx | 34743993 | xxxxxx | 10/21/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The subject property lien does not appear on credit. Provide the mortgage statement or original Note, payoff, and 12 month VOM or creditor/servicer pay history along with borrower's 6 month rent pay history via bank statements/cancelled checks. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-10-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-23): Received VOM for the subject property, however, 6 months rent pay history via bank statements/cancelled checks are still pending. Exception remains. |  |  | 10/28/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 850775 | xxxxxx | 34768693 | xxxxxx | 10/21/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | HO6 policy is missing. Blanket does not reflect Walls In coverage. |  | Reviewer Comment (2025-10-23): Received HOI policy for the subject property. Exception cleared. | 10/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B A |  | N/A | No | Property Focused |
| xxxxxx | 850791 | xxxxxx | 34773596 | xxxxxx | 10/24/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  | Reviewer Comment (2025-10-29): Received HOI policy. Exception cleared. | 10/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 850791 | xxxxxx | 34773597 | xxxxxx | 10/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for allowing units converted to month to month without most recent two months proof of receipt. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-24): Client elects to waive with verified compensation factors |  |  | 10/24/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A |  | N/A | No | Property Focused |
| xxxxxx | 850850 | xxxxxx | 34838562 | xxxxxx | 11/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Status not provided |  | Permanent Resident Alien |  | Reviewer Comment (2025-11-07): Perm resident card provided | 11/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850850 | xxxxxx | 34838574 | xxxxxx | 11/03/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Document showing ownership percentage required for xxxxxx xxxxxx |  | Reviewer Comment (2025-11-07): Evidence of ownership and ownership % provided | 11/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850850 | xxxxxx | 34838822 | xxxxxx | 11/03/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First-Time Investor Not Allowed with DSCR < 1.00. |  | Reviewer Comment (2025-11-07): Documentation provided noting borrower owns an overseas rental property for > 12 months.<br>Reviewer Comment (2025-11-05): There is no documentation in file nor provided in trailing documents that the borrower owns an overseas property for > 12 months. All other owned properties recently purchased / owned < 12 months ago. | 11/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850850 | xxxxxx | 34852338 | xxxxxx | 11/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, seller's, xxxxxx and xxxxxx, were not included in the report. |  | Reviewer Comment (2025-11-06): Received OFAC, GSA and LDP for seller's, xxxxxx and xxxxxx. Exception cleared. | 11/06/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850925 | xxxxxx | 34939760 | xxxxxx | 11/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The authorized Seller signor, xxxxxx, is missing. |  | Reviewer Comment (2025-11-17): Received LDP for authorized Seller signor, xxxxxx. Exception cleared.<br>Reviewer Comment (2025-11-12): Received GSA/OFAC search. Provide HUD/LDP search or updated Fraud Report. Exception remains. | 11/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850925 | xxxxxx | 34939762 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,578.05 exceeds tolerance of $0.00. $1,578.05 over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,578.05 exceeds tolerance of $0.00. $1,578.05 over legal limit. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-12-05): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-11-13): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the transfer tax fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. |  | 12/05/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850925 | xxxxxx | 34939763 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final xxxxxx | The provided Seller CD in file does not reflect any fees paid at or before closing. |  | Reviewer Comment (2025-11-13): SitusAMC received seller CD and as per seller CD seller is not obligated to pay any closing cost. | 11/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 850925 | xxxxxx | 34939764 | xxxxxx | 11/11/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | The provided bank statements in file from xxxxxx to xxxxxx reflects the account number ending #xxxxxx, however, bank statements from xxxxxx - xxxxxx reflects the account number ending #xxxxxx. Provide an explanation from borrower for the change in bank account number. |  | Reviewer Comment (2025-11-21): Received email from borrower regarding change in bank account number. Exception cleared. | 11/21/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 850988 | xxxxxx | 35190121 | xxxxxx | 10/30/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-11-13): Revised title commitment received. | 11/13/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 850988 | xxxxxx | 35190123 | xxxxxx | 10/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of Access to Funds is not provided file for Account number- xxxxxx |  | Reviewer Comment (2025-12-01): Operating Agreement provided to verify ownership of account, exception cleared.<br>Reviewer Comment (2025-11-13): File does not contain evidence of who owns the business entity listed on the account ending in xxxxxx to determine it is our guarantor. | 12/01/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851009 | xxxxxx | 34939779 | xxxxxx | 11/12/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: Homestead Exemption Waiver | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Reviewer Comment (2025-11-12): Client elects to waive |  |  | 11/12/2025 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851009 | xxxxxx | 34963474 | xxxxxx | 11/12/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraisal address does not match the Note. Appraisal address includes xxxxxx for street and Note does not. |  | Reviewer Comment (2025-12-09): Both valuations updated with correct address, exception cleared. | 12/09/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851009 | xxxxxx | 34963507 | xxxxxx | 11/12/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal and Desk Review include xxxxxx in the street name and the Note does not. |  | Reviewer Comment (2025-12-09): Both valuations updated with correct address, exception cleared. | 12/09/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851009 | xxxxxx | 34963898 | xxxxxx | 11/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence the second installment of taxes on title are paid for xxxxxx as due xxxxxx and now delinquent. |  | Reviewer Comment (2025-11-21): Tax cert provided reflects taxes paid xxxxxx | 11/21/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851036 | xxxxxx | 34776813 | xxxxxx | 10/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for Non Residence w/out work visa - does not meet not FICO of 680. Borrower has 672 | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-10-16): Client elects to regrade and waive based on comp factors:<br> Borrower has 6 months reserves <br> Borrower's Own Funds Percent: 50.39%<br> Borrower's Own Funds Amount: $141,113.87 |  |  | 10/16/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 851041 | xxxxxx | 34812098 | xxxxxx | 10/16/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Note Document Reflects Unit xxxxxx: However, the hazard insurance reflects xxxxxx. |  | Reviewer Comment (2025-10-22): Cleared The insurance address does match the note, the DR referenced in the exception is the abbreviation for Drive.  | 10/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851041 | xxxxxx | 34812099 | xxxxxx | 10/16/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Note Document Reflects Unit xxxxxx: However, the flood insurance reflects xxxxxx. |  | Reviewer Comment (2025-10-22): Cleared Cleared A corrected Flood Cert was provided  | 10/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851041 | xxxxxx | 34812100 | xxxxxx | 10/16/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Note Document Reflects Property Address Unit xxxxxx: However, the Appraisal document reflects xxxxxx. |  | Reviewer Comment (2025-10-22): Cleared The appraisal has the correct address on page one as well as the matching legal description.  | 10/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851041 | xxxxxx | 34812101 | xxxxxx | 10/16/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Note Document Reflects Property Address Unit xxxxxx: However, the flood document reflects xxxxxx. |  | Reviewer Comment (2025-10-22): Cleared A corrected Flood Cert was provided  | 10/22/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851046 | xxxxxx | 35273130 | xxxxxx | 10/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2982743) | Corrected on post-close CD, in order to cure please provide LOE to borrower that accompanied xxxxxx CD. |  | Reviewer Comment (2025-12-15): Cure docs provided.<br>Reviewer Comment (2025-10-31): Trailing CD issued xxxxxx already in file and accounted for. This escrow exception has already been corrected on the post-close CD issued xxxxxx also in file. In order to complete cure, we need the the letter of explanation to borrower that accompanied the amended CD they received. |  | 12/15/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851046 | xxxxxx | 35273131 | xxxxxx | 10/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final xxxxxx) | Corrected on post-close CD, in order to cure please provide LOE to borrower that accompanied xxxxxx CD. |  | Reviewer Comment (2025-12-15): Cure docs provided. |  | 12/15/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851046 | xxxxxx | 35273132 | xxxxxx | 10/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2982743) | Corrected on post-close CD, in order to cure please provide LOE to borrower that accompanied xxxxxx CD. |  | Reviewer Comment (2025-12-15): Cure docs provided. |  | 12/15/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851046 | xxxxxx | 35273133 | xxxxxx | 10/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Underdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final xxxxxx) | Corrected on post-close CD, in order to cure please provide LOE to borrower that accompanied xxxxxx CD. |  | Reviewer Comment (2025-12-15): Cure docs provided. |  | 12/15/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851046 | xxxxxx | 35273134 | xxxxxx | 10/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-5,667.75 exceeds tolerance of $-5,690.03. Insufficient or no cure was provided to the borrower. (9300) | Lender credit decreased on post-close CD without valid change of circumstance. |  | Reviewer Comment (2025-12-17): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-12-15): SitusAMC received LOX for rebuttal response indicates that the escrows figures that was disclosed on CD. But No entry states the lender credit was decreased. Moreover, the lender credit decreased on post-closing on PCCD dated xxxxxx . Fee cannot be re-baselined for increase/decrease of fee post-closing by a COC. Please provide cure. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check |  | 12/17/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851047 | xxxxxx | 35170344 | xxxxxx | 10/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Initial closing disclosure dated xxxxxx was not signed and dated by the borrower. |  | Reviewer Comment (2025-10-29): SitusAMC received rebuttal comment and further review proof of earlier receipt of the interim xxxxxx CD received 3 business days prior to closing which was accurate for APR & fees updated from the xxxxxx CD.<br>Reviewer Comment (2025-10-22): SitusAMC: The CD and e-sign document that was provided in the trailing images was also provided in the original loan package and it reflected as "the package was set to inactive" and only reflects the history of a disclosure sent to borrower. No entry states that the disclosures received or viewed by borrower. Please provide documentation indicating receipt of borrower. | 10/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851047 | xxxxxx | 35170346 | xxxxxx | 10/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender Exception requested for a 1x90 in the last 12 months delinquency xxxxxx xxxxxx. Borrower co-signed for his cousin and they were delinquent, Property has been sold, all other mortgages paid as agreed. Comp factors: borrower has 6 months Post Close reserves. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-10-17): Client elects to regrade and waive based on the following comp factors: <br> Borrower has 6 months reserves <br> Borrower FICO is 735, required FICO 680 |  |  | 10/17/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851050 | xxxxxx | 34857246 | xxxxxx | 10/16/2025 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: xxxxxx // Account Type: Savings / Account Number: xxxxxx, Financial Institution: xxxxxx // Account Type: Savings / Account Number: xxxxxx |  |  | Reviewer Comment (2025-10-28): Removed for testing | 10/28/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851052 | xxxxxx | 35215873 | xxxxxx | 10/23/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2025-10-31): Provided and cleared. | 10/31/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851052 | xxxxxx | 35215874 | xxxxxx | 10/23/2025 | Compliance | TRID | Document Error | TRID | Loan Estimate: Dates are not in chronological order. | Date Issued: xxxxxx Issue date: xxxxxx; Received date: xxxxxx; Signed Date: | Loan Estimate with issue date xxxxxx is e-signed by borrower xxxxxx . |  | Reviewer Comment (2025-11-20): SitusAMC received lender attestation and xxxxxx esign confirming xxxxxx issue date was incorrect and actually issued xxxxxx.<br>Reviewer Comment (2025-11-12): SitusAMC received xxxxxx LE and electronic tracking. However, the issue relates to the xxxxxx date issued LE, doc ID 0706 which has an earlier electronic signature of xxxxxx @ 11:35?59 AM PDT. This was not addressed.<br>Reviewer Comment (2025-11-06): Please provide documentation for LE issuance and received dates. | 11/20/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851052 | xxxxxx | 35215876 | xxxxxx | 10/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Evidence of earlier receipt not found in file. Initial Closing Disclosure with issue date xxxxxx not signed by borrower and doc tracking not provided. |  | Reviewer Comment (2025-12-08): SitusAMC received disclosure tracking for the xxxxxx CD.<br>Reviewer Comment (2025-11-06): Proof of receipt of xxxxxx CD was not located in the loan file. Please provide proof of receipt for the xxxxxx CD. | 12/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851052 | xxxxxx | 35215877 | xxxxxx | 10/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue Date > Closing Disclosure Issue Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (Interim xxxxxx) | Revised Loan Estimate issue date xxxxxx after the Initial CD issue date xxxxxx . |  | Reviewer Comment (2025-11-20): SitusAMC received lender attestation and xxxxxx esign confirming xxxxxx issue date was incorrect and actually issued xxxxxx.<br>Reviewer Comment (2025-11-12): SitusAMC received xxxxxx LE and electronic tracking. However, the issue relates to the xxxxxx date issued LE, doc ID 0706 which has an earlier electronic signature of xxxxxx @ 11:35?59 AM PDT. This was not addressed.<br>Reviewer Comment (2025-11-06): Please provide documentation for LE issuance and received dates. | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined cure C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851057 | xxxxxx | 34812102 | xxxxxx | 10/16/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-10-23): 1004/70 provided exception cleared. | 10/23/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 851057 | xxxxxx | 34812104 | xxxxxx | 10/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx<br> Disaster End date: xxxxxx | Appraisal is missing. |  | Reviewer Comment (2025-10-23): 1004 appraisal provided, exception cleared. | 10/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 851057 | xxxxxx | 34812105 | xxxxxx | 10/16/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  | Reviewer Comment (2025-10-23): Appraisal provided, exception cleared. | 10/23/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A |  | N/A | No | Property Focused |
| xxxxxx | 851108 | xxxxxx | 34950722 | xxxxxx | 11/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Page 1 of the Guarantee Agreement only reflects only 1 borrower, xxxxxx as guarantor. However there are 2 guarantors on the file and 2 signed. |  | Reviewer Comment (2025-11-26): Received Guarantor Agreement. Exception Cleared.<br>Reviewer Comment (2025-11-19): Received guaranty agreement reflects only one borrower name, xxxxxx on page 1. However, guaranty agreement is signed by two guarantors. Provide Guaranty agreement which includes both the names of the guarantor Exception remains.<br>Reviewer Comment (2025-11-17): Received same Guarantee Agreement that was already provided at the time of review. Page 1 of the Guarantee Agreement only reflects only 1 borrower, xxxxxx as guarantor. However, there are 2 guarantors on the file and 2 signed. Exception remains. | 11/26/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 851108 | xxxxxx | 34950736 | xxxxxx | 11/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. (31 days) |  | Reviewer Comment (2025-11-18): Received Gap Credit Report dated xxxxxx . Exception cleared. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 851306 | xxxxxx | 34938508 | xxxxxx | 11/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-11-13): Received 1008 with UW name. Exception cleared. | 11/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851306 | xxxxxx | 34938537 | xxxxxx | 11/12/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $4,409.27. | The PC-CD reflects an increased amount for cash from borrower as the payoff was shorted on the Final CD. Provide the final stamped settlement statement to support in addition to assets for the funds to close. |  | Reviewer Comment (2025-12-19): Bank statement reflecting sufficient funds received in trailing docs.<br>Reviewer Comment (2025-11-17): Deposit / Wire is dated post close and not acceptable. Further, bank statement was not provided as to where funds came from.<br>Reviewer Comment (2025-11-14): Received final stamped settlement statement, however still need additional assets as borrower is short funds to close per the original condition. | 12/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851306 | xxxxxx | 34938610 | xxxxxx | 11/12/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $165.00. Sufficient or excess cure was provided to the borrower. (75106) |  |  | Reviewer Comment (2025-11-07): Sufficient Cure Provided within 60 Days of Closing |  | 11/07/2025 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 851445 | xxxxxx | 34777790 | xxxxxx | 10/28/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Appraisal reflects Tenant Occupied. No Lease Agreement provided. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-11): Client elects to waive with verified compensation factors |  |  | 11/11/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 851445 | xxxxxx | 34777799 | xxxxxx | 10/28/2025 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  | Blanket Condo Policy expired xxxxxx . |  | Reviewer Comment (2025-11-06): Updated blanket provided | 11/06/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No | Property Focused |
| xxxxxx | 851526 | xxxxxx | 34915174 | xxxxxx | 11/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx. |  | Reviewer Comment (2025-11-13): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 11/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851534 | xxxxxx | 35042002 | xxxxxx | 11/25/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Missing proof of business ownership percentage for both business bank statements. |  | Reviewer Comment (2025-12-18): Entity listing reflecting sole member received.<br>Reviewer Comment (2025-12-16): Condition is not requesting evidence of access to funds. There is no documentation in the file reflecting the percent of ownership borrowers have in the business accounts used in asset qualifying for the subject loan. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851534 | xxxxxx | 35042003 | xxxxxx | 11/25/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Missing proof of ownership percentage. |  | Reviewer Comment (2025-12-18): Business entity listing received, reflecting sole ownership.<br>Reviewer Comment (2025-12-16): CPA letter provided does not verify current ownership percentage. It states borrower was previously a sole proprietor prior to opening current LLC. Please provide evidence of ownership percent for current entity used in income qualifications. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851534 | xxxxxx | 35042045 | xxxxxx | 11/25/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing CPA letter to confirm business ownership percentage. |  | Reviewer Comment (2025-12-18): Business entity listing reflecting sole member entity received.<br>Reviewer Comment (2025-12-16): CPA letter provided does not verify current ownership percentage. It states borrower was previously a sole proprietor prior to opening current LLC. Please provide evidence of ownership percent for current entity used in income qualifications. | 12/18/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851534 | xxxxxx | 35042046 | xxxxxx | 11/25/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing CPA letter to confirm business ownership percentage. |  | Reviewer Comment (2025-12-18): Business entity listing reflecting sole member entity received.<br>Reviewer Comment (2025-12-16): CPA letter provided does not verify current ownership percentage. It states borrower was previously a sole proprietor prior to opening current LLC. Please provide evidence of ownership percent for current entity used in income qualifications. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851578 | xxxxxx | 34857252 | xxxxxx | 10/24/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-10-28): CDA provided | 10/28/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 851579 | xxxxxx | 34857254 | xxxxxx | 10/24/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Original credit report is missing. File only has a credit supplement dated xxxxxx . |  | Reviewer Comment (2025-10-28): Provided | 10/28/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 851580 | xxxxxx | 34812109 | xxxxxx | 10/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The original appraiser should complete the appraisal update; file contains a lender exception but not signed off. Please provide the approved lender exception. 442 was completed by a different appraiser. |  | Reviewer Comment (2025-10-23): Verified with xxxxxx acceptable to have a different appraiser can verify the 442 since no value changed, exception cleared. | 10/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A |  | N/A | No | Property Focused |
| xxxxxx | 851583 | xxxxxx | 34857255 | xxxxxx | 10/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement not Provided in the loan file |  | Reviewer Comment (2025-10-28): Provided | 10/28/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A |  | N/A | No | Property Focused |
| xxxxxx | 851584 | xxxxxx | 34857248 | xxxxxx | 10/24/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Override. Loan disbursed on xxxxxx . Insurance in effect xxxxxx . |  | Reviewer Comment (2025-10-28): Cleared in effect prior to funding date | 10/28/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851584 | xxxxxx | 34857249 | xxxxxx | 10/24/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing for the borrowing entity. |  | Reviewer Comment (2025-10-28): Provided | 10/28/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851585 | xxxxxx | 34896195 | xxxxxx | 10/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file however not approved, borrower needs full gift funds which reduces the max LTV to 70%. An LTV exception of 5% to grant 75% LTV when the matrix caps at 70%. |  | Reviewer Comment (2025-10-30): Condition cleared<br>Reviewer Comment (2025-10-28): Please provide the approved lender exception for this condition. Exception request form in file is unsigned. | 10/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851586 | xxxxxx | 34812111 | xxxxxx | 10/21/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-10-24): Title provided, exception cleared. | 10/24/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B A |  | N/A | No | Property Focused |
| xxxxxx | 851586 | xxxxxx | 34812112 | xxxxxx | 10/21/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  | Reviewer Comment (2025-10-24): Title provided, exception cleared. | 10/24/2025 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B A |  | N/A | No | Property Focused |
| xxxxxx | 851586 | xxxxxx | 34812113 | xxxxxx | 10/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender exception for ADU / workshop not to be given value due to condition. Cut value by 15k, Max LTV 45% | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-10-21): Client elects to regrade and waive<br> borrower has low LTV.<br>Reviewer Comment (2026-01-11): Waived with compensating factors. |  |  | 10/21/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B A |  | N/A | No | Property Focused |
| xxxxxx | 851587 | xxxxxx | 35250479 | xxxxxx | 10/23/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx |  |  | Reviewer Comment (2025-10-29): Provided and cleared. | 10/29/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851587 | xxxxxx | 35250481 | xxxxxx | 10/23/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan is testing as Higher Priced QM (APOR) compared to lender compliance report reflecting Safe Harbor QM (APOR). |  | Reviewer Comment (2025-10-29): Provided and cleared. | 10/29/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 851592 | xxxxxx | 35008059 | xxxxxx | 10/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Initial CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing. Evidence of earlier receipt missing from file. Earliest CD in file issued and received xxxxxx . |  | Reviewer Comment (2025-11-12): SitusAMC received LOE with list of paid holidays. As per which the initial CD received to borrower on xxxxxx is prior to the consummation dated xxxxxx .<br>Reviewer Comment (2025-11-07): SitusAMC recieved rebuttal comment. However, SitusAMC also required attestation letter from the seller is needed for the same that the xxxxxx was not closed the business on xxxxxx . SitusAMC can then retest the exception once received the LOX. | 11/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851595 | xxxxxx | 35250535 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Lender omitted other owned property costs from DTI for unknown reason, no evidence of rental income provided to offset PITI. |  | Reviewer Comment (2025-12-15): Lender approved exception for allowing 55% DTI on LTV over 80%. DTI of 51.21% slightly exceeds.<br>Reviewer Comment (2025-12-15): I was able to update the income to match xxxxxx calcs and DTI now 51.21%. However, per guides we have and Matrix, in order to use 55% DTI max LTV is capped at 80%. | 12/15/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851595 | xxxxxx | 35250536 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Lender omitted other owned property costs from DTI for unknown reason, no evidence of rental income provided to offset PITI. |  | Reviewer Comment (2025-12-15): Lender approved exception for allowing 55% DTI on LTV over 80%. DTI of 51.21% slightly exceeds.<br>Reviewer Comment (2025-12-15): I was able to update the income to match xxxxxx calcs and DTI now 51.21%. However, per guides we have and Matrix, in order to use 55% DTI max LTV is capped at 80%. | 12/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851595 | xxxxxx | 35250539 | xxxxxx | 12/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.21494% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI of 51.21% exceeds guideline max of 50% with LTV of 90%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-15): Lender approved exception for allowing 55% DTI on LTV over 80%. DTI of 51.21% slightly exceeds. |  |  | 12/15/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851595 | xxxxxx | 35250540 | xxxxxx | 12/15/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 51.21494% exceeds Guideline total debt ratio of 50.00000%. | Calculated investor qualifying total debt ratio of 51.21494% exceeds Guideline total debt ratio of 50.00000%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-15): Lender approved exception for allowing 55% DTI on LTV over 80%. DTI of 51.21% slightly exceeds. |  |  | 12/15/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851640 | xxxxxx | 34957114 | xxxxxx | 11/14/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification, Other | Provide evidence of HOA and provide evidence of the final PITIA vial Final CD or First Payment Letter to verify PITIA. |  | Reviewer Comment (2025-12-08): All documents provided, exception cleared.<br>Reviewer Comment (2025-11-26): Exception Remains - Received Closing Disclosure to verify the new PITI. However, Closing Disclosure shows HOA due, therefore provide the HOA statement. | 12/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 851640 | xxxxxx | 34988316 | xxxxxx | 11/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  | Reviewer Comment (2025-11-26): Purchase Agreement / Sales Contract provided and associated. Exception cleared | 11/26/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 851640 | xxxxxx | 34988367 | xxxxxx | 11/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-12-08): Updated fraud report provided, exception cleared. | 12/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 851642 | xxxxxx | 34965803 | xxxxxx | 11/14/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification, Other | Provide evidence of HOA and provide evidence of the final PITIA vial Final CD or First Payment Letter to verify PITIA. |  | Reviewer Comment (2025-12-08): All documents provided, exception cleared. | 12/08/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 851709 | xxxxxx | 35194777 | xxxxxx | 11/13/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Cash out refinances are eligible after 90 days from the listing cancellation date. The borrower must provide an adequate explanation on why the property was listed for sale as well as the borrower's intent to retain the property in the future for both rate/term and cash-out refinances. |  | Reviewer Comment (2025-11-25): Explanation letter provided for property listing within 90 days. Exception cleared. | 11/25/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 851709 | xxxxxx | 35194778 | xxxxxx | 11/13/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | RCE is from xxxxxx and cannot be utilized. Provide the updated RCE. |  | Reviewer Comment (2025-12-04): Agent email provided reflecting 100% replacement cost. Sufficient since xxxxxx does not provide RCE's by law. | 12/04/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 851728 | xxxxxx | 34938821 | xxxxxx | 11/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  | Reviewer Comment (2025-11-19): Received HOA Questionnaire. Exception cleared. | 11/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851768 | xxxxxx | 34946956 | xxxxxx | 11/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Currency Converter/Exchange (Asset) not provided |  | Currency converter missing for account xxxxxx with ending balance of xxxxxx 285,949.44 - Need for reserves. |  | Reviewer Comment (2025-11-20): Received Currency Converter/Exchange for account xxxxxx with ending balance of xxxxxx 285,949.44. Exception cleared.<br>Reviewer Comment (2025-11-18): Received currency converter from xxxxxx. Provide the Currency Converter via either www.xxxxxx.com or the xxxxxx conversion table for bank account xxxxxx. Exception remains. | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851789 | xxxxxx | 34944885 | xxxxxx | 11/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  | Reviewer Comment (2025-11-18): Received Note Addendum - Prepayment. Exception cleared. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | Yes | Property Focused |
| xxxxxx | 851789 | xxxxxx | 34981291 | xxxxxx | 11/13/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Asset Documentation not provided |  | HUD for sale of xxxxxx is not signed. Provide the final signed HUD or final settlement statement. |  | Reviewer Comment (2025-11-18): Received final signed HUD or final settlement statement. Exception cleared. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851793 | xxxxxx | 34807979 | xxxxxx | 10/31/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-11-04): Received updated Fraud report. Fraud & OFAC searches ran on Authorized seller signor, xxxxxx. Exception cleared. | 11/04/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851834 | xxxxxx | 34980441 | xxxxxx | 11/19/2025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  | Reviewer Comment (2025-11-18): Client elects to waive |  |  | 11/18/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851834 | xxxxxx | 34980501 | xxxxxx | 11/19/2025 | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date xxxxxx , Note Date xxxxxx | The Flood Insurance policy effective date is after the note date. In dry/wet states, flood must be active at time of closing. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-12-09): Waived with compensating factors.<br>Reviewer Comment (2025-11-21): Condition cannot be waived. A noted in the original condition, the Flood Insurance policy effective date is after the note date. In dry/wet states, flood must be active at time of closing. |  |  | 12/09/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851834 | xxxxxx | 35001272 | xxxxxx | 11/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on xxxxxx disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "xxxxxx Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. (Final xxxxxx) | Flood insurance is shown as "Other". |  | Reviewer Comment (2025-11-18): Client elects to waive |  |  | 11/18/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 851834 | xxxxxx | 35007104 | xxxxxx | 11/19/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Need confirmation that the borrower is currently living rent free. LOE states living rent free but paying rent since 2024. |  | Reviewer Comment (2025-11-26): Received letter of explanation. Exception cleared. | 11/26/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851836 | xxxxxx | 34974185 | xxxxxx | 11/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed. (Final xxxxxx) | $30 HOA was not listed in Estimated Taxes, Insurance & Assessments and was not disclosed in the Non-Escrowed Property Costs over Year 1 on page 4. |  | Reviewer Comment (2025-12-11): SitusAMC received corrected PCCD and LOE<br>Reviewer Comment (2025-12-05): SitusAMC received corrected CD updating the non-escrowed cost but the PCCD provided signed on xxxxxx is dated xxxxxx which is same issue date as final CD. Please provide CD with correct issue date along with the LOE to accompanying CD to cure this exception. |  | 12/11/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 851836 | xxxxxx | 35005855 | xxxxxx | 11/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects PUD with HOA dues, however, the DOT does not contain a PUD Rider. If property is in a PUD, provide the corrected and executed DOT adding in a PUD rider, executed PUD rider, LOE to borrower, evidence of delivery to the borrower and LOI. If property is not in a PUD, provide the corrected appraisal. |  | Reviewer Comment (2025-12-17): Corrected DOT and PUD Rider provided, LOE and verification of delivery provided, exception cleared. | 12/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 851890 | xxxxxx | 34865190 | xxxxxx | 11/05/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | The homeowner's insurance declarations page in the file verified an effective date of xxxxxx which is after the consummation date of xxxxxx . Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  | Reviewer Comment (2025-11-12): Updated HOI provided | 11/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851890 | xxxxxx | 34865364 | xxxxxx | 11/05/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Insurance policy and Replacement Cost Estimate have the city of xxxxxx and the note has xxxxxx. |  | Reviewer Comment (2025-11-12): Updated HOI and RCE provided | 11/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851890 | xxxxxx | 34865368 | xxxxxx | 11/05/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate has the city of xxxxxx and the note has xxxxxx. |  | Reviewer Comment (2025-11-06): Updated flood cert provided | 11/06/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851892 | xxxxxx | 34936236 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) |  |  | Reviewer Comment (2025-12-11): SitusAMC received initial LE dated xxxxxx .<br>Reviewer Comment (2025-12-02): SitusAMC received disclosures summary shows the application date is xxxxxx but the 1003 in file (Doc ID D0151) is dated xxxxxx signed by borrower and LO on xxxxxx with all 6 pieces of information available cannot be ignored. Please provide more clarification on the application date and borrower signed on date xxxxxx that can support xxxxxx as application date.<br>Reviewer Comment (2025-11-28): SitusAMC received rebuttal. Initial application (D0151) Page no:30 reflects Application Date is xxxxxx .<br>Reviewer Comment (2025-11-25): SitusAMC received rebuttal comment. However, some documents in file indicate that xxxxxx was the application date. Initial application (D0151) reflects Application Date is xxxxxx . In order to disregard the xxxxxx application date, SitusAMC must be provided additional information that supports a later date and documentation that supports this was a clerical error or proof of withdrawal of the earlier xxxxxx application date via adverse action notice which matches to 1003 loan identification, otherwise provide copy of earlier LE. We take the earliest date on the 1003. Unless that was incorrectly entered by originator, then we would need documented proof of when lender/broker received the 6 pieces of information to support the date. An example would be such as a sales contract showing a later date and an attestation from lender stating why the 1003 had an earlier date. Or if an application was denied/withdrawn, then adverse action letter for earlier application, which documentation should support there are different loan numbers for each transaction. These are just examples of situations that can be allowed for viewing a different application date. Documentation in file must support the application date.<br>Reviewer Comment (2025-11-20): SitusAMC received application dated xxxxxx . However, as per 1003 (D0151) all the 6 pieces of information was available and signed by LO on xxxxxx . Moreover, provided purchase contract (D0206) is executed on xxxxxx . From the available documents we are unable to determine the exact date when lender has received all 6 pieces of information to initiate the application. Please provide supporting documentation to confirm receipt of the 6th piece of information to lender to establish the application date. If application date was within 3 business days of the xxxxxx LE, lender should further clarify the discrepancy with the application dated xxxxxx and sales contract dated xxxxxx .<br>Reviewer Comment (2025-11-19): The timing for the LE under § 1026.19(e)(1)(iii) is three business days from application. Initial LE issued xxxxxx . On this loan, the LE should have been issued within 3 business days of the broker application date of xxxxxx . | 12/11/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851892 | xxxxxx | 34952036 | xxxxxx | 11/11/2025 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: xxxxxx // Account Type: Checking / Account Number: xxxxxx | Additional bank statement for account xxxxxx to be provided. Bank statement covers xxxxxx - xxxxxx (up until closing date can only be considered as post-closing assets are not allowed). Provide the September 2025 bank statement for a full 1 month. Needed for reserves and included. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-12-17): Waived with compensating factors per investor direction.<br>Reviewer Comment (2025-11-26): Condition is not in relation to the Loan Estimate timing. Additional asset statements required per guidelines.<br>Reviewer Comment (2025-11-18): The condition cannot be waived. The same document was provided that was in file at time of review. Please review the original condition. Additional bank statement for account xxxxxx to be provided. Bank statement covers xxxxxx - xxxxxx (up until closing date can only be considered as post-closing assets are not allowed). Provide the September 2025 bank statement for a full 1 month. Needed for reserves and included. |  |  | 12/17/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851892 | xxxxxx | 34952070 | xxxxxx | 11/11/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Borrower does not meet the minimum FICO of 720 nor minimum reserves of 6 months for an escrow waiver. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-11-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-11-18): The condition cannot be waived. The investor provided the xxxxxx guidelines to review to. If a re-underwrite is required to different guidelines, this will need to come from the investor. |  |  | 11/18/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851892 | xxxxxx | 34952078 | xxxxxx | 11/11/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.68 is less than Guideline PITIA months reserves of 4.00. | There is a PC-CD in file which reflects a reduction in cash to close, however the final stamped settlement statement was not provided to support. |  | Reviewer Comment (2025-11-19): Final stamped settlement statement provided reflecting a reduction in cash to close which matches PC-CD. Borrower now has sufficient reserves.<br>Reviewer Comment (2025-11-18): The document was provided that was in file at time of review. Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the final CD. As noted in original condition, there is a PC-CD in file which reflects a reduction in cash to close, however the final stamped settlement statement was not provided to support. | 11/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851892 | xxxxxx | 34952083 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves |  | Reviewer Comment (2025-11-19): Final stamped settlement statement provided reflecting a reduction in cash to close which matches PC-CD. Borrower now has sufficient reserves.<br>Reviewer Comment (2025-11-18): The document was provided that was in file at time of review. Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the final CD. As noted in original condition, there is a PC-CD in file which reflects a reduction in cash to close, however the final stamped settlement statement was not provided to support. | 11/19/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 851892 | xxxxxx | 34952084 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves |  | Reviewer Comment (2025-11-19): Final stamped settlement statement provided reflecting a reduction in cash to close which matches PC-CD. Borrower now has sufficient reserves.<br>Reviewer Comment (2025-11-18): The document was provided that was in file at time of review. Cash to close is calculated as funds to close + EMD + POCB fees + any adjustments/gifts/1031 on the final CD. As noted in original condition, there is a PC-CD in file which reflects a reduction in cash to close, however the final stamped settlement statement was not provided to support. | 11/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 851919 | xxxxxx | 34954146 | xxxxxx | 11/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 1) Provide the 12 month housing history for xxxxxx. Application reflects Rents current primary on xxxxxx) Provide the 5 month housing history for the property on xxxxxx for xxxxxx. Consecutive housing history is required. |  | Reviewer Comment (2025-11-18): Received corrected 1003 for both borrowers. Exception cleared. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 851919 | xxxxxx | 34954190 | xxxxxx | 11/17/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx | First time homebuyer not eligible (xxxxxx is a First Time Home Buyer) |  | Reviewer Comment (2025-11-18): Received corrected 1003 and Property History Report to verify borrower, xxxxxx is not a First Time Home Buyer. Exception cleared. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 852147 | xxxxxx | 34981347 | xxxxxx | 11/13/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | All other documents, the borrower crossed off xxxxxx and initialed for vesting. Note still reflects xxxxxx. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-13): Client elect to waive with verified compensation factors |  |  | 11/13/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 852154 | xxxxxx | 34956193 | xxxxxx | 11/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  | Reviewer Comment (2025-11-05): NA | 11/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 852154 | xxxxxx | 34956195 | xxxxxx | 11/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  | Reviewer Comment (2025-11-05): NA | 11/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 852154 | xxxxxx | 34956197 | xxxxxx | 11/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  | Reviewer Comment (2025-11-05): NA | 11/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 852167 | xxxxxx | 34857258 | xxxxxx | 10/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved and requested to use assets without a 30 day statement. Borrower just recently opened the account. VOD is being used. Compensating factors FICO 728 and 6 months reserves. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-24): Client elects to regrade and waive |  |  | 10/24/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 852174 | xxxxxx | 35303118 | xxxxxx | 11/06/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $695.00 exceeds tolerance of $575.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | No cure and no valid COC provided. |  | Reviewer Comment (2025-12-18): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 12/18/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852174 | xxxxxx | 35303119 | xxxxxx | 11/06/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation mismatch due to Points and fees failure. |  | Reviewer Comment (2025-11-07): Re-stated to Non QM per client. | 11/07/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852174 | xxxxxx | 35303120 | xxxxxx | 11/06/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.75316% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or 1.75316%). | Undiscounted rate/price information not provided, unable to test for bona fide exclusion. |  | Reviewer Comment (2025-11-07): Re-stated to Non QM per client. | 11/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No | Mortgagor Focused |
| xxxxxx | 852174 | xxxxxx | 35303121 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Re-stated to Non QM per client. |  | Reviewer Comment (2025-11-07): Informational xxxxxx |  |  | 11/07/2025 | 2 A B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Non QM | No | Mortgagor Focused |
| xxxxxx | 852177 | xxxxxx | 35008062 | xxxxxx | 11/07/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 54.45690% exceeds Guideline total debt ratio of 50.00000%. | Lender approved exception for going 55% DTI for 1099 only (xxxxxx). Compensating factors: 791 FICO, LTV 31.08%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-07): Approved lender exception w/ comp factors for DTI up to 55% on 1099 loan. |  |  | 11/07/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852177 | xxxxxx | 35008063 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of Special Flood Hazard Disclosure within three days of closing. |  |  |  |  | 11/12/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852177 | xxxxxx | 35008064 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing 1099. |  | Reviewer Comment (2025-11-07): 1099 provided and cleared. | 11/07/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852177 | xxxxxx | 35008065 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (xxxxxx/Schedule C) | 1099 only (xxxxxx) and most recent 1099 is missing. |  | Reviewer Comment (2025-11-07): 1099 provided and cleared. | 11/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852177 | xxxxxx | 35008066 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing 1099. |  | Reviewer Comment (2025-11-07): 1099 provided and cleared. | 11/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852177 | xxxxxx | 35008067 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 54.45690% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender approved exception for going 55% DTI for 1099 only (xxxxxx). Compensating factors: 791 FICO, LTV 31.08%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-07): Approved lender exception w/ comp factors for DTI up to 55% on 1099 loan. |  |  | 11/07/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852177 | xxxxxx | 35008068 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing 1099. |  | Reviewer Comment (2025-11-07): 1099 provided and cleared. | 11/07/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852177 | xxxxxx | 35008069 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-1,200.00. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits on closing disclosure is $0.00 and on loan estimate $-1,200.00. No Valid Change circumstance in file. |  | Reviewer Comment (2025-11-11): After further review, exception cleared. | 11/11/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852177 | xxxxxx | 35008071 | xxxxxx | 11/07/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing most recent 1099. Doc type used is 1099 only - 12months. |  | Reviewer Comment (2025-11-07): 1099 provided and cleared. | 11/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852177 | xxxxxx | 35008072 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing 1099. |  | Reviewer Comment (2025-11-07): 1099 provided and cleared. | 11/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852177 | xxxxxx | 35008073 | xxxxxx | 11/07/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 1099 |  |  | Reviewer Comment (2025-11-07): 1099 provided and cleared. | 11/07/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852177 | xxxxxx | 35008075 | xxxxxx | 11/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  | Reviewer Comment (2025-11-11): Lender exception for DTI in file. | 11/11/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852199 | xxxxxx | 34870357 | xxxxxx | 11/06/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: AVM / Valuation Report date: | Address on Note xxxxxx VS Address on AVM xxxxxx |  | Reviewer Comment (2025-11-19): Updated AVM provided, however not required due to higher tiered desk review CDA in file. | 11/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A |  | N/A | No | Property Focused |
| xxxxxx | 852398 | xxxxxx | 35010478 | xxxxxx | 11/21/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-12-18): Updated final title provided, exception cleared. | 12/18/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852398 | xxxxxx | 35016758 | xxxxxx | 11/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy & Supplement: Reflects xxxxxx. Should just reflect xxxxxx. |  | Reviewer Comment (2025-12-18): Updated title provided, exception cleared.<br>Reviewer Comment (2025-12-08): The legal description with the title commitment references Unit xxxxxx with an APN ending in - xxxxxx however, the legal description on the appraisal references Unit xxxxxx with an APN ending in - xxxxxx. Corrected title policy (or appraisal) required as well as the title company to address the city of xxxxxx xxxxxx vs xxxxxx. Exception remains. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852398 | xxxxxx | 35016798 | xxxxxx | 11/21/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Non-Arms: Renter(s) purchasing from landlord. 12 months of cancelled checks or bank statements to prove timely payments. Verification of rent (VOR) not acceptable. VOR and 6 months bank statements provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-31): Waived with compensating factors per investor direction.<br>Reviewer Comment (2025-12-18): The exception remains. The transaction is still considered non-arm's length due to the borrower purchasing the property they are currently renting, even if a licensed real estate agent was used for the transaction.<br>Reviewer Comment (2025-12-08): In Section 4.2.1 of the guidelines, the Non-Arm's Length requirements for a renter purchasing from landlord requires 12 months canceled checks or bank statements to prove timely payments and that a Verification of Rent is not acceptable. The file has 6 months of bank statements and not the required 12 months. Exception remains. |  |  | 12/31/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852398 | xxxxxx | 35016808 | xxxxxx | 11/21/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal reflects Arm's Length vs. Non-Arms. Borrower is purchasing property they currently reside in. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-31): Waived with compensating factors per investor direction.<br>Reviewer Comment (2025-12-18): The exception remains. The transaction is still considered non-arm's length due to the borrower purchasing the property they are currently renting, even if a licensed real estate agent was used for the transaction.<br>Reviewer Comment (2025-12-08): The appraisal still indicates the transaction was arm's length. Exception remains. |  |  | 12/31/2025 | 2 D B | xxxxxx | xxxxxx | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852398 | xxxxxx | 35016823 | xxxxxx | 11/21/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | FSBO which is not allowed on Non-Arm's per guidelines. No xxxxxx are involved. |  | Reviewer Comment (2025-12-18): Updated appraisal provided to verify a real estate agent was involved in the transaction to verify the transaction was not a For Sale by Owner transaction. Exception cleared.<br>Reviewer Comment (2025-12-08): Will review once the appraisal has been updated to indicate non-ARM's length. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852407 | xxxxxx | 35024290 | xxxxxx | 11/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for xxxxxx Guaranty Fee. Fee Amount of $2.00 exceeds tolerance of $0.00. $2.00 over legal limit. Insufficient or no cure was provided to the borrower. (77222) | No valid COC or cure was provided. |  | Reviewer Comment (2025-11-26): SitusAMC received COC and as per fee name on CD. No tolerance required. | 11/26/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 852407 | xxxxxx | 35026856 | xxxxxx | 11/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $75.00 exceeds tolerance of $0.00. $75.00 over legal limit. Insufficient or no cure was provided to the borrower. (7742) | No valid COC or cure was provided. |  | Reviewer Comment (2025-12-04): SitusAMC received corrected PCCD and LOE with corrected fee name.<br>Reviewer Comment (2025-12-02): SitusAMC received PCCD, however we also require LOE which accompanied the PCCD to finalize.<br>Reviewer Comment (2025-11-26): SitusAMC received rebuttal comment but the Attorney fee disclosed on CDs dated xxxxxx and xxxxxx under section C is without prefix "Title - " However, the fee is not paid to title. If the fee is title required and paid to third party it should have been disclosed as Title - fee or if the fee is optional and borrower shopped it should have been disclosed under section H. Please provide corrected PCCD moving/correcting the fee along with the LOE to accompanying CD. | 12/04/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 852410 | xxxxxx | 35128248 | xxxxxx | 12/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-12-18): Updated fraud report includes noted party. Exception cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852424 | xxxxxx | 34957049 | xxxxxx | 11/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report not provided for the Guarantor, only the LLC. |  | Reviewer Comment (2025-11-20): Received Fraud Report and OFAC search run for all required participants. Exception cleared. | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852424 | xxxxxx | 34962807 | xxxxxx | 11/12/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide evidence the property is free and clear. An LOE from the borrower is not acceptable. |  | Reviewer Comment (2025-11-26): Provide evidence the property is free and clear. Exception Cleared.<br>Reviewer Comment (2025-11-20): Received land registrar is not acceptable to verify whether property is free and clear. Provide property history report to verify property is free and clear. Exception remains. | 11/26/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852424 | xxxxxx | 34964339 | xxxxxx | 11/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Spousal consent not provided. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-16): Waived with compensating factors per investor direction.<br>Reviewer Comment (2025-12-11): Spousal consent provided is dated xxxxxx . If investor is accepting post-consummation dated spousal consent, a request to waive can be made; however, unable to clear.<br>Reviewer Comment (2025-11-17): Received Consent of Spouse does not have Spouse name mentioned on the start of the paragraph. Also, the document is not executed and notarized. Exception remains. |  |  | 12/16/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852448 | xxxxxx | 34936299 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  | Reviewer Comment (2025-11-19): SitusAMC received xxxxxx CD received 3 business days prior to consummation.<br>Reviewer Comment (2025-11-14): SitusAMC received xxxxxx CD without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is xxxxxx . Consummation date is xxxxxx . xxxxxx is day 1, xxxxxx is day 2. Please provide documentation if the CD was received xxxxxx (day 3) or earlier for review. | 11/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852448 | xxxxxx | 34936300 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. (7588) | Attorney Review Fee was not disclosed on the Loan Estimate, but was disclosed as $150.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $150.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  | Reviewer Comment (2025-11-14): SitusAMC received valid COC dated xxxxxx  | 11/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 852448 | xxxxxx | 34936369 | xxxxxx | 11/10/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2025-11-19): E-consent provided<br>Reviewer Comment (2025-11-14): Section 6 of the initial Form 1003 authorizes the lender to obtain tax return information; however, it does not provide consent for electronic delivery of disclosures. Therefore, a separate E-Sign Consent Agreement is required. Exception remains. | 11/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852448 | xxxxxx | 34938627 | xxxxxx | 11/10/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Reviewer Comment (2025-11-10): Client elects to waive |  |  | 11/10/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852448 | xxxxxx | 35020366 | xxxxxx | 11/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Date earlier receipt not provided |  | Reviewer Comment (2025-11-19): SitusAMC received xxxxxx CD received 3 business days prior to consummation. | 11/19/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852473 | xxxxxx | 35165396 | xxxxxx | 12/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $10,215.78 exceeds tolerance of $0.00. $10,215.78 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points was last disclosed as $0.00 on the Loan Estimate but disclosed as $10,215.78 on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  | Reviewer Comment (2025-12-16): SitusAMC received LOE and COC<br>Reviewer Comment (2025-12-09): SitusAMC received LOX for rebuttal response, and The COC dated xxxxxx and xxxxxx that was provided in the trailing images was also provided in the original loan package. But the discount point fee of $10,215.78 again added on final CD dated xxxxxx and there seems to be no valid COC in the loan file for the fee added on xxxxxx final CD. A valid COC for the fee added or Cure is required to borrower. | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852473 | xxxxxx | 35167972 | xxxxxx | 12/05/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  | Reviewer Comment (2025-12-19): Title supplement received. | 12/19/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852476 | xxxxxx | 35126684 | xxxxxx | 12/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception to accept completed covered patio as is. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-12-18): Waived with compensating factors. |  |  | 12/18/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852542 | xxxxxx | 35116315 | xxxxxx | 12/01/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Only a post close credit refresh was in file. |  | Reviewer Comment (2025-12-18): Original credit report provided, exception cleared. | 12/18/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852542 | xxxxxx | 35127268 | xxxxxx | 12/01/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  |  | Reviewer Comment (2025-12-18): First lien note provided, exception cleared. | 12/18/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852601 | xxxxxx | 34965974 | xxxxxx | 11/17/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Cert does not reflect full address |  | Reviewer Comment (2025-11-24): Received corrected Flood Cert. Exception cleared. | 11/24/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852601 | xxxxxx | 34966291 | xxxxxx | 11/17/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.95 is less than Guideline PITIA months reserves of 6.00. | Insufficient reserves. 401K account xxxxxx cannot be considered as the statement is post-close. In addition, POCB fee for appraisal not documented via paid invoice. Also, there is a PC-CD in file which reflects a reduction in cash to close, however there is no final stamped settlement statement to support. |  | Reviewer Comment (2025-12-18): Statement for 401k account, dated prior to Note date, provided and sufficient reserves verified. Exception cleared.<br>Reviewer Comment (2025-11-26): Please provide consecutive months bank statements to verify 401k account xxxxxx. Exception remains. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852601 | xxxxxx | 34966299 | xxxxxx | 11/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves |  | Reviewer Comment (2025-12-18): Statement for 401k account, dated prior to Note date, provided and sufficient reserves verified. Exception cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852601 | xxxxxx | 34997075 | xxxxxx | 11/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves |  | Reviewer Comment (2025-12-18): Statement for 401k account, dated prior to Note date, provided and sufficient reserves verified. Exception cleared. | 12/18/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852601 | xxxxxx | 34998192 | xxxxxx | 11/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | 12 month mortgage history on the existing mortgage securing the subject property is required for gift of equity and was not provided. |  | Reviewer Comment (2025-11-24): Received Verification of Mortgage. Exception cleared. | 11/24/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852601 | xxxxxx | 34998202 | xxxxxx | 11/17/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Application shows Rent for borrower, but letter in file states living rent free. Provide corrected 1003. |  | Reviewer Comment (2025-11-25): Received 1003 Final. Exception cleared. | 11/25/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852601 | xxxxxx | 35000491 | xxxxxx | 11/17/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Provide the updated appraisal. Appraiser notes FSBO on Non-Arms, which is not allowed per guidelines, however a real estate brokers are involved. |  | Reviewer Comment (2025-12-31): Updated appraisal received.<br>Reviewer Comment (2025-12-18): The appraisal is required to be updated to indicate the transaction was not a FSBO. Exception remains.<br>Reviewer Comment (2025-11-30): The appraisal provided reflects this is a FSBO transaction. Per the guidelines, and the document provided, FSBO transactions are not permitted on non-arm's length transactions. Appraiser to provide updated appraisal if this is not a FSBO. If subject is FSBO transaction, an exception will need to be requested. | 12/31/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852601 | xxxxxx | 35000546 | xxxxxx | 11/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | RCE does not reflect full address |  | Reviewer Comment (2025-11-30): Updated RCE received.<br>Reviewer Comment (2025-11-24): Provide corrected RCE with full address. Exception remains. | 11/30/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852601 | xxxxxx | 35000575 | xxxxxx | 11/17/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | The loan does not meet the minimum 6 months reserves for an escrow waiver. |  | Reviewer Comment (2025-12-18): Statement for 401k account, dated prior to Note date, provided and sufficient reserves verified. Exception cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852711 | xxxxxx | 35008034 | xxxxxx | 11/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization missing in Loan File. |  | Reviewer Comment (2025-11-11): Provided, cleared. | 11/11/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 852711 | xxxxxx | 35008036 | xxxxxx | 11/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement is not signed by the Guarantor |  | Reviewer Comment (2025-11-12): Provided | 11/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A |  | N/A | No | Property Focused |
| xxxxxx | 852712 | xxxxxx | 35153223 | xxxxxx | 11/17/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Only appraisal notice in file dated xxxxxx vs. final report date xxxxxx Evidence of receipt of xxxxxx not provided. |  | Reviewer Comment (2025-11-26): After further review, exception cleared. | 11/26/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852712 | xxxxxx | 35153224 | xxxxxx | 11/17/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.41935% or Final Disclosure APR of 8.42800% is equal to or greater than the threshold of APOR 6.31% + 1.5%, or 7.81000%. Non-Compliant Higher Priced Mortgage Loan. | Only appraisal notice in file dated xxxxxx vs. final report date xxxxxx Evidence of receipt of xxxxxx not provided. |  | Reviewer Comment (2025-11-26): After further review, exception cleared. | 11/26/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852712 | xxxxxx | 35153225 | xxxxxx | 11/17/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Only appraisal notice in file dated xxxxxx vs. final report date xxxxxx Evidence of receipt of xxxxxx not provided. |  | Reviewer Comment (2025-11-26): After further review, exception cleared. | 11/26/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852712 | xxxxxx | 35153228 | xxxxxx | 11/26/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary xxxxxx) | Only appraisal notice in file dated xxxxxx vs. xxxxxx final report date. |  | Reviewer Comment (2025-11-26): Waived per client guidance. |  |  | 11/26/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852715 | xxxxxx | 35250485 | xxxxxx | 11/13/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Title - Survey Fee |  |  | Reviewer Comment (2025-12-10): Cleared with final closing statement showing who fee was paid to. | 12/10/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852715 | xxxxxx | 35250487 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Missing evidence of earlier receipt, initial CD not signed by borrower and doc tracking not provided. Earliest complete CD in file issued xxxxxx please provide all CDs. |  | Reviewer Comment (2025-12-10): CDs provided and cleared.<br>Reviewer Comment (2025-12-01): Please provide the CD issued to borrower prior to consummation for review or documentation the final CD was provide to borrower 3 business days prior to review. Initial CD provided on xxxxxx and consummation date is xxxxxx . Please provide initial CD | 12/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852717 | xxxxxx | 34978133 | xxxxxx | 11/07/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 | Secondary Valuation missing in Loan File. |  | Reviewer Comment (2025-11-11): 1004 and UCDP provided, cleared. | 11/11/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A |  | N/A | No | Property Focused |
| xxxxxx | 852718 | xxxxxx | 35215878 | xxxxxx | 11/14/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-11-26): FTP provided and cleared. | 11/26/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852718 | xxxxxx | 35215879 | xxxxxx | 11/14/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2025-11-26): FTP provided and cleared. | 11/26/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852718 | xxxxxx | 35215881 | xxxxxx | 11/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) | Page 1 shows no escrows, incorrect section completed on pg. 4 of final and post-close CDs. |  | Reviewer Comment (2025-12-09): SitusAMC received corrected PCCD and LOE<br>Reviewer Comment (2025-11-25): Page 1 of final and post-close CDs show $872.23/mo. in non-escrowed costs, however page 4 of final CD and post-close CDs has the section completed for "will have an escrow account". The incorrect section is completed on page 4 for loans without escrows.<br>Reviewer Comment (2025-11-14): Estimated Taxes, Insurance & Assessments on page 1 of CD is $872.23; Estimated Escrow is $0; Estimated Property Cost over Year 1 is blank. |  | 12/09/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 852718 | xxxxxx | 35215882 | xxxxxx | 11/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Page 1 shows no escrows, incorrect section completed on pg. 4 of final and post-close CDs. |  | Reviewer Comment (2025-12-09): SitusAMC received corrected PCCD and LOE |  | 12/09/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 852718 | xxxxxx | 35215883 | xxxxxx | 11/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Page 1 shows no escrows, incorrect section completed on pg. 4 of final and post-close CDs. |  | Reviewer Comment (2025-12-09): SitusAMC received corrected PCCD and LOE |  | 12/09/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 852720 | xxxxxx | 35153210 | xxxxxx | 11/13/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-11-25): FTP provided and cleared.<br>Buyer Comment (2025-11-25): Attached Final Title Policy. Coverage amount reflected on page 5 | 11/25/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852720 | xxxxxx | 35153211 | xxxxxx | 11/13/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  | Reviewer Comment (2026-01-23): FTP provided and cleared. | 01/23/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852720 | xxxxxx | 35619676 | xxxxxx | 01/23/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Qualification Method not Matching QM | General QM: The Qualification Method used by the lender does not match the QM payment calculation method. | 5/6 ARMs qual. at greater of fully indexed or note rate per xxxxxx guidelines, which does not align with QM payment. Loan tested to HPQM per QM Findings in file. |  | Reviewer Comment (2026-01-23): Waived per client direction. |  |  | 01/23/2026 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 852722 | xxxxxx | 34978135 | xxxxxx | 11/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | lender approved exceptions to allow partial gift funds with maximum CLTV of 80% | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-07): Approved lender exception in file for use of partial gift funds @ 80% LTV. |  |  | 11/07/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 852723 | xxxxxx | 35153235 | xxxxxx | 11/21/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2025-11-28): Provided and cleared. | 11/28/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852723 | xxxxxx | 35153238 | xxxxxx | 11/21/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Initial Closing Disclosure dated xxxxxx not provided to Borrower(s) at least three (3) business days prior to closing. |  | Reviewer Comment (2025-11-28): SitusAMC received earliest receipt of initial CD. | 11/28/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852723 | xxxxxx | 35153239 | xxxxxx | 11/21/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $1,995.00 exceeds tolerance of $1,495.00. Sufficient or excess cure was provided to the borrower. (7548) |  |  | Reviewer Comment (2025-11-20): Sufficient Cure Provided within 60 Days of Closing |  | 11/20/2025 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852727 | xxxxxx | 35273100 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final xxxxxx) | Page 1 shows HOI included in escrows. |  | Reviewer Comment (2025-12-16): Cure docs provided. |  | 12/16/2025 |  | 2 C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 852727 | xxxxxx | 35273101 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (Final xxxxxx) | Initial escrow deposit collected on pg. 2 does not match figure on pg. 4 of final CD. |  | Reviewer Comment (2025-12-16): Cure docs provided. |  | 12/16/2025 |  | 2 C B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 852730 | xxxxxx | 35153215 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Missing Settlement Service Providers List provided to Borrowers |  | Reviewer Comment (2025-11-25): Provided and cleared. | 11/25/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852730 | xxxxxx | 35153216 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | Reviewer Comment (2025-11-25): Provided and cleared. | 11/25/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852730 | xxxxxx | 35153217 | xxxxxx | 11/13/2025 | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Credit report is missing FICO scores. | Credit Report: Original // Borrower: xxxxxx | No FICOs returned for B2. |  | Reviewer Comment (2025-11-25): Cleared per applicable guidelines, which allow qualification based on the primary wage earner's credit score. Loan qualified using B1 with primary wage earner credit scores. | 11/25/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852730 | xxxxxx | 35153218 | xxxxxx | 11/13/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing current paystub for Borrower and Verbal VOE within 10 days from URLA application required under 1099 Only (Independent Contractor or Commissioned Borrower) document type. |  | Reviewer Comment (2025-11-18): Provided and cleared. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852730 | xxxxxx | 35153219 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing current paystub for Borrower and Verbal VOE within 10 days from URLA application required under 1099 Only (Independent Contractor or Commissioned Borrower) document type. |  | Reviewer Comment (2025-11-18): Provided and cleared. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852730 | xxxxxx | 35153220 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to missing current paystub for Borrower and Verbal VOE within 10 days from URLA application required under 1099 Only (Independent Contractor or Commissioned Borrower) document type, resulting in loan designation discrepancy. |  | Reviewer Comment (2025-11-18): Provided and cleared. | 11/18/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 852730 | xxxxxx | 35153221 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall finding due to missing current paystub for Borrower and Verbal VOE within 10 days from URLA application required under 1099 Only (Independent Contractor or Commissioned Borrower) document type, resulting in loan designation discrepancy. |  | Reviewer Comment (2025-11-18): Provided and cleared. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852737 | xxxxxx | 35008050 | xxxxxx | 11/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception for FICO of 655, exception is for FICO of 660, comp factors are low LTV, All properties owned are nice and in good condition, has about $45k in an investment account for reserves. | Borrower has owned the subject property for at least 5 years.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-13): Client elects to waive and regrade based on comps below: <br> Borrower has $45k in reserves, none required and low LTV. |  |  | 11/13/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 852786 | xxxxxx | 35107811 | xxxxxx | 12/02/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Citizenship discrepancy. Initial and Final 1003 reflects xxxxxx. File contains Borrowers EAD card, as well SS card reflects Valid for work only. |  | Reviewer Comment (2025-12-16): Updated 1003 received. | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 852875 | xxxxxx | 35121076 | xxxxxx | 12/01/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Tax Verification | Missing insurance and tax verification. |  | Reviewer Comment (2025-12-18): Tax and HOI received in trailing docs. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852875 | xxxxxx | 35121223 | xxxxxx | 12/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | None of the copies of the initial Closing Disclosure in file are signed/dated; therefore, the "mailbox rule" is assumed and the presumed delivery date would not have been at least 3 business days prior to consummation. |  | Reviewer Comment (2025-12-05): SitusAMC received certificate of compliance disclosure for CD dated xxxxxx received to consumer 3 business days prior to the consummation. | 12/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 852875 | xxxxxx | 35121224 | xxxxxx | 12/01/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Missing evidence of xxxxxx Loan Estimate receipt, using mailbox method results in late delivery. |  | Reviewer Comment (2025-12-10): SitusAMC received proof of earlier electronic receipt.<br>Reviewer Comment (2025-12-05): SitusAMC received certificate of compliance document for proof of ICD sent and received. However, last LE dated xxxxxx received without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is xxxxxx . Consummation date is xxxxxx . xxxxxx is day 1, xxxxxx is day 2, xxxxxx is day 3, and xxxxxx is day 4. | 12/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 853094 | xxxxxx | 35118568 | xxxxxx | 12/01/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $150,000.00. | Investor exception for loan amount < $150,000 in the file. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-12-18): Waived with compensating factors. |  |  | 12/18/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 853094 | xxxxxx | 35128674 | xxxxxx | 12/01/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Blanket policy shows address as xxxxxx and Note has xxxxxx. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reviewer Comment (2025-12-18): Waived with compensating factors. |  |  | 12/18/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 853329 | xxxxxx | 34967212 | xxxxxx | 11/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | Evidence of earlier receipt not provided |  | Reviewer Comment (2025-11-19): SitusAMC received e-consent dated xxxxxx  | 11/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 853329 | xxxxxx | 34967806 | xxxxxx | 11/17/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 94.99984% exceeds Guideline loan to value percentage of 90.00000%. | Investor guidelines max | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-11-18): Client elects to waive with verified compensation factors |  |  | 11/18/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 853438 | xxxxxx | 35015893 | xxxxxx | 11/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-12-09): Revised fraud report provided, exception cleared. | 12/09/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 853438 | xxxxxx | 35016460 | xxxxxx | 11/21/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Deposit not provided |  | The VOD does not reflect the average balance last 12 months for xxxxxx (needed to determine if any large deposits need to be sourced as borrower is a Non-Perm Resident). |  | Reviewer Comment (2025-11-26): Received bank statements for both accounts, Exception cleared. | 11/26/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 853720 | xxxxxx | 35103968 | xxxxxx | 11/30/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . |  |  | Reviewer Comment (2025-12-11): Certified final settlement statement received, reflecting disbursement date of xxxxxx . | 12/11/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 853725 | xxxxxx | 35075609 | xxxxxx | 11/26/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $594,643.67 is over disclosed by $1,595.94 compared to the calculated Amount Financed of $593,047.73 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Finance charge overdisclosed by $1,595.94. |  | Reviewer Comment (2025-12-23): Evidence of refund of hold for payoff received<br>Reviewer Comment (2025-12-16): SitusAMC received rebuttal that PCCD matches to FSS. However, the xxxxxx PCCD not only increased the $title-wire fees $30, but added a Title-Hold for Payoff Confirmation fee of $1730.94. The total underdisclosure calculation is $1595.94. This Title-Hold for Payoff Confirmation fee would need confirmation of services provided to confirm it is not a finance charge and related to the extension of credit. Please provide a Lender's Attestation giving the specific services/purpose of that fee for re-evalucation & testing.<br>Reviewer Comment (2025-12-08): SitusAMC received Corrected CD. However, cure was not provided and in addition these is change in fees from Final CD which appear would increase the finance charges and the Finance charge at closing would have been more underdisclosed than previously disclosed, due to the Title-Wire fees increasing, which are finance charges. Please provide the following: Certified Final Borrower Settlement Statement which matches to the xxxxxx PCCD, copy of LOE to borrower that accompanied the xxxxxx. Upon receipt we can re-test the actual amount, but it appears the total underdisclosed at closing based on the increased wire fees will increase the underdisclosure to $1625.94. A cure refund check will be required for that total underdisclosure, proof of mailing and proof of reopening of rescission to all consumers as this is a material disclosure violation on a rescindable transaction. Unable to give exact underdisclosure calculation until receipt of the Certified Final Settlement Statement that matches to the xxxxxx pccd for re-testing and amount of underdisclosure. | 12/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 853725 | xxxxxx | 35075616 | xxxxxx | 11/26/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $842,414.21 is under disclosed by $1,595.94 compared to the calculated Finance Charge of $844,010.15 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Finance charge underdisclosed $1,595.94. |  | Reviewer Comment (2025-12-23): Evidence of refund of hold for payoff received | 12/23/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 853725 | xxxxxx | 35088110 | xxxxxx | 11/26/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Title - Notary Fee | Paid to party on Notary fee reflects TBD. |  | Reviewer Comment (2025-11-26): Waived per investor overlay. |  |  | 11/26/2025 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 853726 | xxxxxx | 35130524 | xxxxxx | 12/02/2025 | Credit | Guideline | Guideline Issue | Guideline | Guidelines require Escrows of Taxes and Insurance, however loan does not meet Guideline requirements. |  | Borrower meets the LTV requirement of <=80% and the minimum reserves of 6 months. But the borrower does not meet the minimum FICO requirement of 720. Borrower has a score of 710. Escrow waiver is not allowed. | Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-12-31): Waived with compensating factors per investor direction.<br>Reviewer Comment (2025-12-18): While the matrix/program requires allows a minimum score of 680, in order for the loan to close with an escrow waiver, guideline 4.6 requires a FICO credit score of 720 or higher, 6 months reserves and LTV of 80% or less. The qualifying credit score is 710, which would require the loan to close with escrows. Exception remains. |  |  | 12/31/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 853726 | xxxxxx | 35133854 | xxxxxx | 12/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor's for the seller, xxxxxx, were not included in the report. |  | Reviewer Comment (2025-12-18): OFAC and Fraud report search provided, exception cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 853726 | xxxxxx | 35133924 | xxxxxx | 12/02/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-12-18): Title supplement provided, exception cleared. | 12/18/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 853730 | xxxxxx | 35153231 | xxxxxx | 11/21/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Missing evidence of receipt for report dated xxxxxx . |  | Reviewer Comment (2025-11-26): Waived per client guidance. |  |  | 11/26/2025 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 853732 | xxxxxx | 35250489 | xxxxxx | 12/04/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2025-12-12): Provided and cleared | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 853737 | xxxxxx | 35130951 | xxxxxx | 11/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception requesting for condo that is xxxxxx, under the 500sqft requirement for all condos, only xxxxxx of the xxxxxx have been sold or listed and builder/developer owns xxxxxx of the xxxxxx units, comp factors are high FICO 746 and 6 months reserves. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-19): Client elects to waive and regrade based on the following compensating factors:<br> Borrower FICO of 746 <br> Guideline requirement 680 <br>Borrower reserves 6 months <br> Guideline requirement none. |  |  | 11/19/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 853739 | xxxxxx | 35250501 | xxxxxx | 12/08/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-12-12): Provided and cleared | 12/12/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 853744 | xxxxxx | 35273138 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2025-12-15): Provided and cleared | 12/15/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Second Home | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 853744 | xxxxxx | 35273140 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Please provide evidence of borrower receipt of CD dated xxxxxx , |  | Reviewer Comment (2025-12-15): Provided and cleared | 12/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 853744 | xxxxxx | 35273142 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Mortgage Insurance Paystream 1 | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed a '-' in the initial payment stream. (ProjSeq:1/3031173) | Projected Payments section (pg 1): Mortgage Insurance "dash" box was checked in pay stream 1. |  | Reviewer Comment (2025-12-15): After further review, exception cleared. | 12/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 853744 | xxxxxx | 35273143 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | No CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing. Please provide evidence of borrower receipt of CD dated xxxxxx , |  | Reviewer Comment (2025-12-17): SitusAMC received xxxxxx initial CD with electronic signature | 12/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 853748 | xxxxxx | 35190068 | xxxxxx | 12/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender exception requesting to go to 70% LTV with Short term rental and declining market. Comp factors are 795 FICO / DSCR greater than 1.00% | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-05): Client elects to regrade and waive based on the following comp factors:<br> Borrower has FICO of 785 <br> Required FICO is 680<br> Borrower has DSCR exceed the 1.00% required. |  |  | 12/05/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 853994 | xxxxxx | 35072275 | xxxxxx | 11/26/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Mtg stmt for xxxxxx not in file. Unable to determine if 813.00 is P&I only or PITIA. This is reporting on Borrowers credit report. |  | Reviewer Comment (2025-12-11): Received transaction history for REO on xxxxxx, confirming P&I payment. | 12/11/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854168 | xxxxxx | 35119882 | xxxxxx | 11/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  | Reviewer Comment (2025-12-18): 1008 provided, exception cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 854168 | xxxxxx | 35120211 | xxxxxx | 11/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  | Reviewer Comment (2025-12-18): Provided with search on all parties, exception cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 854173 | xxxxxx | 35105098 | xxxxxx | 11/30/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Lock document is missing |  | Reviewer Comment (2025-11-30): Waived per investor overlay. |  |  | 11/30/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854173 | xxxxxx | 35119609 | xxxxxx | 11/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participant, authorized signor for seller, xxxxxx, was not included in the report. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-19): Waived with compensating factors per investor exception approval.<br>Reviewer Comment (2025-12-11): Updated report provided is dated post-consummation. Investor to advise if accepting post-consummation dated search/report. |  |  | 12/19/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854174 | xxxxxx | 35120325 | xxxxxx | 12/02/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock document is not available |  | Reviewer Comment (2025-12-18): Rate lock provided, exception cleared. | 12/18/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854174 | xxxxxx | 35134201 | xxxxxx | 12/02/2025 | Credit | Guideline | Guideline Issue | Guideline | Guidelines require Escrows of Taxes and Insurance, however loan does not meet Guideline requirements. |  | Escrow waiver allowed if the following guideline requirements are met: LTV <= 80.0% (subject is 75.0%), FICO minimum 720 (subject is 727), and minimum Reserves 12 month (subject has 5.60 months). Borrower does not meet requirements to waive escrow's. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Reviewer Comment (2025-12-18): Waived with compensating factors. |  |  | 12/18/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854399 | xxxxxx | 35288568 | xxxxxx | 11/11/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-12-03): Field review received. | 12/03/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A C | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 854399 | xxxxxx | 35288570 | xxxxxx | 11/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrowers live rent-free with family friend, The file contains a rent-free letter for co-borrower, but not for borrower. Please provide a rent-free letter signed by the person(s) responsible for the mortgage or rental payments of current residence disclosing the dates living rent-free. |  | Reviewer Comment (2025-11-13): Rent free letter received for the borrower. Exception cleared. | 11/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 854401 | xxxxxx | 35288565 | xxxxxx | 11/11/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Shortfall of xxxxxx |  | Reviewer Comment (2025-11-13): 100% replacement verified in Hazard Insurance. Exception cleared | 11/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 854402 | xxxxxx | 35288600 | xxxxxx | 11/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Certificate of Good Standing dated within 90 days of the Note Date for xxxxxx. |  | Reviewer Comment (2025-11-14): Certificate of good standing for xxxxxx (xxxxxx, dated xxxxxx) and xxxxxx (xxxxxx , dated xxxxxx) within 90 days of closing date are already available. | 11/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 854403 | xxxxxx | 35288572 | xxxxxx | 11/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The file is missing the Certificate of Good Standing for the business entity. |  | Reviewer Comment (2025-11-13): Document received. | 11/13/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 854403 | xxxxxx | 35288573 | xxxxxx | 11/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the final HUD-1. Copy in file is an estimate. |  | Reviewer Comment (2025-11-13): Document received. | 11/13/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 854405 | xxxxxx | 35288494 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $436,057.86 is over disclosed by $513.70 compared to the calculated Amount Financed of $435,544.16 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $436,057.86 is over disclosed by $513.70 compared to the calculated Amount Financed of $435,544.16 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate |  | Reviewer Comment (2025-12-02): SitusAMC received LOA<br>Reviewer Comment (2025-11-24): 1026.4(c)(7) specifically excludes several charges. The purpose of a fee is the driving circumstance to include or exclude the fee from finance charge calculations. Because the Transaction Coordinator Fee in not specifically excluded please provide fee purpose and payee for review and testing.<br>Reviewer Comment (2025-11-01): The transaction coordinator fee is paid to a person, and document does not indicate the fee is for a real estate admin/coordinator fee, and is actually paid to the real estate company or has another purpose. | 12/02/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 854405 | xxxxxx | 35288495 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $708,624.09 is under disclosed by $513.70 compared to the calculated Finance Charge of $709,137.79 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $708,624.09 is under disclosed by $513.70 compared to the calculated Finance Charge of $709,137.79 which exceeds the $100.00 threshold |  | Reviewer Comment (2025-12-02): SitusAMC received LOA<br>Reviewer Comment (2025-11-24): 1026.4(c)(7) specifically excludes several charges. The purpose of a fee is the driving circumstance to include or exclude the fee from finance charge calculations. Because the Transaction Coordinator Fee in not specifically excluded please provide fee purpose and payee for review and testing.<br>Reviewer Comment (2025-11-01): The transaction coordinator fee is paid to a person, and document does not indicate the fee is for a real estate admin/coordinator fee, and is actually paid to the real estate company or has another purpose. | 12/02/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 854405 | xxxxxx | 35288497 | xxxxxx | 10/14/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,860.50 exceeds tolerance of $221.00 plus 10% or $243.10. $3,617.40 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded. Total amount of $3,860.50 exceeds tolerance of $221.00 plus 10% or $243.10. $3,617.40 over legal limit. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-11-03): SitusAMC: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. | 11/03/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 854405 | xxxxxx | 35288499 | xxxxxx | 10/14/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The file is missing the letter of explanation from the owner of the property the borrower is living with rent free and the underwriter discretion reasons are not documented in the loan file. |  | Reviewer Comment (2025-10-30): LOE from homeowner and updated 1008 with UW discretion received in trailing documents.<br>Reviewer Comment (2025-10-28): Provide rent free LOX from owner of property borrower resides at. Must state borrower lives rent free, time frame and relationship. | 10/30/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Primary | Purchase | D A C | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854405 | xxxxxx | 35288500 | xxxxxx | 11/03/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,860.50 exceeds tolerance of $3,428.00 plus 10% or $3,770.80. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2025-11-03): Sufficient Cure Provided At Closing |  | 11/03/2025 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 854408 | xxxxxx | 35288507 | xxxxxx | 10/27/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements - Business | Bank Statements missing for the account xxxxxx in the month of April 2025 |  | Reviewer Comment (2025-10-30): April 2025 statement received. | 10/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854408 | xxxxxx | 35288508 | xxxxxx | 10/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Bank Statements missing for the account xxxxxx in the month of April 2025 |  | Reviewer Comment (2025-10-30): Received April 2025 statement. | 10/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854408 | xxxxxx | 35288509 | xxxxxx | 10/27/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Transfer Tax was last disclosed as $0.00 on the Loan Estimate but disclosed as $1.00 on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file |  | Reviewer Comment (2025-10-22): Sufficient Cure Provided At Closing |  | 10/22/2025 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 854410 | xxxxxx | 35288517 | xxxxxx | 10/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Final Loan Estimate dated xxxxxx is missing evidence of receipt within 4 business days prior to closing. |  | Reviewer Comment (2025-11-10): SitusAMC received proof of earlier electronic receipt. | 11/10/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854412 | xxxxxx | 35288522 | xxxxxx | 10/30/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | Insurance Verification missing on file |  | Reviewer Comment (2025-11-04): HOI dec page. | 11/04/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854412 | xxxxxx | 35288526 | xxxxxx | 10/30/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing insurance verification for REO investment property on xxxxxx. |  | Reviewer Comment (2025-11-04): HOI Dec Page. | 11/04/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854413 | xxxxxx | 35288528 | xxxxxx | 10/31/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for xxxxxx Guaranty Fee. Fee Amount of $2.00 exceeds tolerance of $0.00. $2.00 over legal limit. Insufficient or no cure was provided to the borrower. (77222) | xxxxxx Guaranty Fee was last disclosed as $0.00 on LE but disclosed as $2.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | Reviewer Comment (2025-11-10): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 11/10/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 854413 | xxxxxx | 35288530 | xxxxxx | 10/31/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 | Secondary valuation is missing. |  | Reviewer Comment (2025-11-10): Exception cleared - CDA received and updated clarity as required. | 11/10/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854413 | xxxxxx | 35288531 | xxxxxx | 10/31/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Requested:<br> Minimum loan amount is $150,000.<br> Allow loan amount of xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-30): Waived with compensating factors per lender exception approval at origination. |  |  | 10/30/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854413 | xxxxxx | 35288532 | xxxxxx | 10/31/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $150,000.00. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $150,000.00. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-10-30): Waived with compensating factors per lender exception approval at origination. |  |  | 10/30/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | D B C A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854414 | xxxxxx | 35288535 | xxxxxx | 11/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Loan Disclosures: Final Closing Disclosure provided on xxxxxx states the loan will not have an escrow, however it did no explain the reason (neither box is checked). |  | Reviewer Comment (2025-11-25): SitusAMC received PCCD and LOE.<br>Reviewer Comment (2025-11-24): Evidence the LOX and CD were provided to the borrower. ie; mailing envelope.<br>Reviewer Comment (2025-11-19): SitusAMC received Post CD. However, we would also require LOX to the borrower in order to cure the exception.<br>Reviewer Comment (2025-11-10): SitusAMC received xxxxxx CD and LOE to borrower was not located in the trailing image. If this was intended to be a Post Close xxxxxx rrected CD after Final CD, then the issue date cannot be the same date as the Final CD date and back dated, as it would not be considered a post close correction. A Corrected CD would need issued after the xxxxxx final CD and LOX to borrower in order to test as a correction.<br>Reviewer Comment (2025-11-05): SitusAMC received PCCD with same issue date as final CD issue date. Please provide PCCD with correct issue date and LOE. |  | 11/25/2025 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 854416 | xxxxxx | 35288543 | xxxxxx | 11/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow 4 months' rental payments in cash to private landlord. Borrower was previously living rent free with fiancee. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2025-11-05): Waived with compensating factors per lender exception approval at origination. |  |  | 11/05/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854417 | xxxxxx | 35288561 | xxxxxx | 11/07/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $214.00 plus 10% or $235.40. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | A cure for $139.50 was provided to borrower at closing. |  | Reviewer Comment (2025-11-05): Sufficient Cure Provided At Closing |  | 11/05/2025 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 854417 | xxxxxx | 35288562 | xxxxxx | 11/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception: Broker-ordered appraisal report. | Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2025-11-07): Waived with compensating factors per lender exceptions approval at origination. |  |  | 11/07/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854417 | xxxxxx | 35288563 | xxxxxx | 11/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA is duly licensed or certified. |  | Reviewer Comment (2025-11-20): CPA certification received. | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854417 | xxxxxx | 35288564 | xxxxxx | 11/07/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Please provide evidence that the CPA is duly licensed or certified. |  | Reviewer Comment (2025-11-20): CPA certification received. | 11/20/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854422 | xxxxxx | 35288548 | xxxxxx | 11/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? reflects neither Yes nor No. Unable to determine qualification without this information. | Borrower: xxxxxx | Declaration/1003 section is blank. Please provide corrected 1003 with all the required information |  | Reviewer Comment (2025-12-05): Updated 1003 received and verified. Exception cleared.<br>Reviewer Comment (2025-12-02): Section 5 declarations for co-borrower xxxxxx are blank. Please provide completed Section 5 declarations. | 12/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854422 | xxxxxx | 35288549 | xxxxxx | 11/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. | Borrower: xxxxxx | Declaration/1003 section is blank. Please provide corrected 1003 with all the required information |  | Reviewer Comment (2025-12-05): Updated 1003 received and verified. Exception cleared. | 12/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854422 | xxxxxx | 35288550 | xxxxxx | 11/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. | Borrower: xxxxxx | Declaration/1003 section is blank. Please provide corrected 1003 with all the required information |  | Reviewer Comment (2025-12-05): Updated 1003 received and verified. Exception cleared. | 12/05/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854428 | xxxxxx | 35288590 | xxxxxx | 11/12/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Lease Agreement | Lease agreement is missing for property - xxxxxx |  | Reviewer Comment (2025-11-14): Departing Residence - The qualifying rental income will be gross rents x 80% (20% vacancy factor) <br> permitted to be verified with xxxxxx xxxxxx. Exception cleared. | 11/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854428 | xxxxxx | 35288591 | xxxxxx | 11/12/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing lease agreement for REO property on xxxxxx |  | Reviewer Comment (2025-11-14): Departing Residence - The qualifying rental income will be gross rents x 80% (20% vacancy factor) <br> permitted to be verified with xxxxxx xxxxxx. Exception cleared. | 11/14/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854429 | xxxxxx | 35288594 | xxxxxx | 11/13/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx Insurance Verification<br> Insurance Verification | Missing evidence of insurance. |  | Reviewer Comment (2025-11-18): LOX for HOI for these properties provided verifying no HOI for either property. Owned free and clear. | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 854431 | xxxxxx | 35288598 | xxxxxx | 11/13/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $235.00 exceeds tolerance of $147.00 plus 10% or $161.70. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | Ten Percent Fee Tolerance exceeded. Total amount of $235.00 exceeds tolerance of $147.00 plus 10% or $161.70. Sufficient or excess cure was provided to the borrower at Closing. |  | Reviewer Comment (2025-11-10): Sufficient Cure Provided At Closing |  | 11/10/2025 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 854676 | xxxxxx | 35250504 | xxxxxx | 12/05/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to QM points and fees failure. |  | Reviewer Comment (2025-12-12): Cleared with testing to Non-QM | 12/12/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 854676 | xxxxxx | 35250505 | xxxxxx | 12/05/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.47321% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .47321%). |  |  | Reviewer Comment (2025-12-12): Cleared with testing to Non-QM | 12/12/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854678 | xxxxxx | 35250544 | xxxxxx | 12/09/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-12-15): Provided and cleared. | 12/15/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854679 | xxxxxx | 35250547 | xxxxxx | 12/09/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-12-15): Provided and cleared. | 12/15/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 854692 | xxxxxx | 35250560 | xxxxxx | 12/09/2025 | Compliance | Compliance | State Compliance | State Late Charge | xxxxxx Non Primary Residence Late Charge Grace Period Testing | xxxxxx Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. |  |  | Reviewer Comment (2025-12-15): Waived |  |  | 12/15/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 854698 | xxxxxx | 35250495 | xxxxxx | 12/08/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | 2 appraisal in files, only have appraisal notice for 1st report dated xxxxxx Missing evidence of receipt for 2nd report dated xxxxxx . |  | Reviewer Comment (2025-12-12): Cleared with appraisal tracking | 12/12/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854699 | xxxxxx | 35190093 | xxxxxx | 12/08/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-08): Client elects to waive and regraded based on the following comp factor: <br> Borrower has high FICO of 795 and perfect mortgage history. |  |  | 12/08/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 854699 | xxxxxx | 35190094 | xxxxxx | 12/08/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 70.00000% exceeds Guideline combined loan to value percentage of 65.00000%. |  | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-08): Client elects to waive and regraded based on the following comp factor: <br> Borrower has high FICO o 795 and perfect mortgage history. |  |  | 12/08/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 854699 | xxxxxx | 35190095 | xxxxxx | 12/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender exception for increase of LTV to 70% for cash out, in a declining market and using short term rents to qualify. Comp factors: borrower has perfect mortgage history, over 12 months LCR's, FICO of 795. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-08): Client elects to waive and regraded based on the following comp factor: <br> Borrower has high FICO o 795 and perfect mortgage history. |  |  | 12/08/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 854702 | xxxxxx | 35190079 | xxxxxx | 12/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved exception for the Acreage being over the limit by 4.6 Acres. Comps provided, borrower is 0x30 on mortgage history, | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-08): Client elects to waive and regrade based on comps:<br> Borrower has no mortgage lates <br> Borrower FICO 791, requirement FICO 680 |  |  | 12/08/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B A |  | N/A | No | Property Focused |
| xxxxxx | 854704 | xxxxxx | 35303131 | xxxxxx | 12/09/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements - Business | File is missing xxxxxx xxxxxx business bank statements for xxxxxx for the months of August & September 2023. This is a 24 month income bank statement loan and 24 months are required for calculation of income. |  | Reviewer Comment (2025-12-19): Provided and cleared. | 12/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 854704 | xxxxxx | 35303133 | xxxxxx | 12/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | File is missing xxxxxx xxxxxx business bank statements for xxxxxx for the months of August & September 2023. This is a 24 month income bank statement loan and 24 months are required for calculation of income. |  | Reviewer Comment (2025-12-19): Provided and cleared. | 12/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 854704 | xxxxxx | 35303134 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  | Reviewer Comment (2025-12-19): Not within 3 days of app, waived. |  |  | 12/19/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 854704 | xxxxxx | 35303136 | xxxxxx | 12/09/2025 | Compliance | Compliance | State Compliance | State Late Charge | xxxxxx Non Primary Residence Late Charge Grace Period Testing | xxxxxx Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. |  |  | Reviewer Comment (2025-12-19): xxxxxx |  |  | 12/19/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 854704 | xxxxxx | 35303137 | xxxxxx | 12/09/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing xxxxxx xxxxxx business bank statements for xxxxxx for the months of August & September 2023. This is a 24 month income bank statement loan and 24 months are required for calculation of income. |  | Reviewer Comment (2025-12-19): Provided and cleared. | 12/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 854704 | xxxxxx | 35303138 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of xxxxxx which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx . Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Missing initial 1003 and unable to locate application date using other docs provided. |  | Reviewer Comment (2025-12-19): Okay per client |  |  | 12/19/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 854708 | xxxxxx | 35190058 | xxxxxx | 12/05/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Lender exception in file. Borrower waived escrow impounds but guidelines require a minimum 700 FICO. Borrower has 683 FICO. Exception was approved. | Borrower has owned the subject property for at least 5 years. | Reviewer Comment (2025-12-05): Client elects to waive and regrade<br> Borrower has $100k in reserves <br> Borrower has owned subject for at least 5 years. |  |  | 12/05/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A |  | N/A | No | Property Focused |
| xxxxxx | 854719 | xxxxxx | 35321903 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2025-12-24): Okay per client |  |  | 12/24/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854719 | xxxxxx | 35321906 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Verification of self employment dated within 10 days of Note is missing from the loan file. |  | Reviewer Comment (2025-12-24): Provided and cleared. | 12/24/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 854719 | xxxxxx | 35321907 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. xxxxxx xxxxxx Inspections/Bank Statements) | Verification of self employment dated within 10 days of Note is missing from the loan file. |  | Reviewer Comment (2025-12-24): Provided and cleared. | 12/24/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854719 | xxxxxx | 35321908 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Verification of self employment dated within 10 days of Note is missing from the loan file. |  | Reviewer Comment (2025-12-24): Provided and cleared. | 12/24/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854719 | xxxxxx | 35321910 | xxxxxx | 12/10/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verification of self employment dated within 10 days of Note is missing from the loan file. |  | Reviewer Comment (2025-12-24): Provided and cleared. | 12/24/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854719 | xxxxxx | 35321911 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing Verification of self employment dated within 10 days of Note. |  | Reviewer Comment (2025-12-24): Provided and cleared. | 12/24/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854719 | xxxxxx | 35321912 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing Verification of self employment dated within 10 days of Note. |  | Reviewer Comment (2025-12-24): Provided and cleared. | 12/24/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 854721 | xxxxxx | 35190083 | xxxxxx | 12/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approval exception to allow the seller to use a POA. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-08): Client elects to waive and regrade <br> Borrower FICO 766 <br> Guideline Requirement FICO 680 <br> Borrower made downpayment with own fund on purchase of at least 5% |  |  | 12/08/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A |  | N/A | No | Property Focused |
| xxxxxx | 854723 | xxxxxx | 35250549 | xxxxxx | 12/10/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx , Credit Report: Original // Borrower: xxxxxx | Fraud report missing in loan file. |  | Reviewer Comment (2025-12-15): Provided and cleared | 12/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855200 | xxxxxx | 35303123 | xxxxxx | 12/09/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | Missing third party verification of business dated within 10 business days of note. |  | Reviewer Comment (2025-12-19): Provided and cleared. | 12/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855200 | xxxxxx | 35303124 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing third party verif. of SE business. |  | Reviewer Comment (2025-12-19): Provided and cleared. | 12/19/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 855200 | xxxxxx | 35303125 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx xxxxxx/Bank Statements) | Waterfall due to missing third party verif. of SE business. |  | Reviewer Comment (2025-12-19): Provided and cleared. | 12/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855200 | xxxxxx | 35303126 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (xxxxxx/Funds from Business Account) | Waterfall due to missing third party verif. of SE business. |  | Reviewer Comment (2025-12-19): Provided and cleared. | 12/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855200 | xxxxxx | 35303127 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing third party verif. of SE business. |  | Reviewer Comment (2025-12-19): Provided and cleared. | 12/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855200 | xxxxxx | 35303130 | xxxxxx | 12/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing third party verif. of SE business. |  | Reviewer Comment (2025-12-19): Provided and cleared. | 12/19/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855204 | xxxxxx | 35273103 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Evidence the borrower was provided a copy of appraisal within 3 business days prior to consummation is missing. |  | Reviewer Comment (2025-12-16): Provided and cleared. | 12/16/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855204 | xxxxxx | 35273104 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.77314% or Final Disclosure APR of 7.79100% is equal to or greater than the threshold of APOR 6.17% + 1.5%, or 7.67000%. Non-Compliant Higher Priced Mortgage Loan. | Evidence the borrower was provided a copy of appraisal within 3 business days prior to consummation is missing. |  | Reviewer Comment (2025-12-16): Provided and cleared. | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855204 | xxxxxx | 35273105 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Evidence the borrower was provided a copy of appraisal within 3 business days prior to consummation is missing. |  | Reviewer Comment (2025-12-16): Provided and cleared. | 12/16/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855210 | xxxxxx | 35250507 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | File is missing evidence of appraisal delivery. |  | Reviewer Comment (2025-12-11): Provided and cleared | 12/11/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 855698 | xxxxxx | 35250513 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $260.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) | HOA/Condo Questionnaire fee amount of $260.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing |  | Reviewer Comment (2025-12-10): Sufficient Cure Provided At Closing |  | 12/10/2025 |  | 1 A | xxxxxx | xxxxxx | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 855703 | xxxxxx | 35303141 | xxxxxx | 12/18/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  | Reviewer Comment (2025-12-18): Waived, Non QM loan |  |  | 12/18/2025 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855708 | xxxxxx | 35250553 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Loan Estimate is required to be delivered to borrower within 3 business days of Application Date. 1003 in file reflects app date of xxxxxx |  | Reviewer Comment (2025-12-15): Cleared with updated application date provided | 12/15/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855708 | xxxxxx | 35250554 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Appraisal Receipt is required to be delivered to borrower within 3 business days of Application Date. |  | Reviewer Comment (2025-12-15): Cleared with updated application date provided | 12/15/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855708 | xxxxxx | 35250555 | xxxxxx | 12/10/2025 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations is required to be delivered to borrower within 3 business days of Application Date. |  | Reviewer Comment (2025-12-15): Cleared with updated application date provided | 12/15/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321913 | xxxxxx | 12/15/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321915 | xxxxxx | 12/15/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321916 | xxxxxx | 12/15/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Paystubs, W-2 (2021), W-2 (2022) | Missing B2 paystub and W2s. |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321917 | xxxxxx | 12/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: xxxxxx, AND xxxxxx<br> Disaster Declaration date: xxxxxx<br> Disaster End date: xxxxxx | Missing appraisal. |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321918 | xxxxxx | 12/15/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.71702% or Final Disclosure APR of 8.10100% is equal to or greater than the threshold of APOR 6.23% + 1.5%, or 7.73000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 7.71702% or Final Disclosure APR of 8.10100% is equal to or greater than the threshold of APOR 6.23% + 1.5%, or 7.73000%. Non-Compliant Higher Priced Mortgage Loan. |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321919 | xxxxxx | 12/15/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Missing appraisal. |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321920 | xxxxxx | 12/15/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. | Missing appraisal. |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321921 | xxxxxx | 12/15/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Missing appraisal. |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321922 | xxxxxx | 12/15/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/(report date unknown)) | Missing appraisal. |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321923 | xxxxxx | 12/15/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Appraisal Flipped Property Missing Information | Last Sales Price or Last Sales Date from the Primary Valuation or Contract Sales Price or Contract Sales Date are missing. Unable to determine compliance with TIL HPML Flipped Property Requirements. | Missing appraisal. |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321924 | xxxxxx | 12/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing B2 paystubs and W2s. |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status D C | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321925 | xxxxxx | 12/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. xxxxxx/Wages) | Waterfall due to missing B2 paystubs and W2s. |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321926 | xxxxxx | 12/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, missing W-2, Paystub, LES, ETS or WVOE. xxxxxx/Wages) | Waterfall due to missing B2 paystubs and W2s. |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321927 | xxxxxx | 12/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing B2 paystubs and W2s. |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321930 | xxxxxx | 12/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $15,640.00 exceeds tolerance of $13,685.00. $1,955.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $15,640.00 exceeds tolerance of $0.00. $15,640.00 over legal limit. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2025-12-26): Cleared with Tracking docs and attestation<br>Reviewer Comment (2025-12-26): SitusAMC received COC dated xxxxxx , however fee increased on CD dated xxxxxx . A valid COC for CD dated xxxxxx or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-12-24): Situsamc Discount point fee increased on CD dated xxxxxx sequence 2 to $15640 CD without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 12/26/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321931 | xxxxxx | 12/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing B2 paystubs and W2s. |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321932 | xxxxxx | 12/15/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing B2 paystubs and W2s. Also missing appraisal. |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | 35321933 | xxxxxx | 12/15/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing B2 paystubs and W2s. |  | Reviewer Comment (2025-12-18): Provided and cleared. | 12/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A C | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 856487 | xxxxxx | 35288614 | xxxxxx | 12/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file approving the common areas and facilities are not completed. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-10): Waived with compensating factors per lender exception approval at origination. |  |  | 12/10/2025 | 2 B | xxxxxx | xxxxxx | Second Home | Refinance - Rate/Term | A B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 856490 | xxxxxx | 35288602 | xxxxxx | 11/20/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 4506 (2022), 4506 (2023), 4506 (2024) | The file is missing the executed copy of the 4506-C for years 2022, 2023, and 2024. |  | Reviewer Comment (2025-12-11): 4506-C document received - Exception cleared.<br>Reviewer Comment (2025-12-08): Provide verification of the e-sign consent.<br>Reviewer Comment (2025-12-04): As per guidelines, executed 4506-C form from any individual named as a borrower on the loan is required for all programs. | 12/11/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 856490 | xxxxxx | 35288603 | xxxxxx | 11/20/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing the executed copy of the 4506-C for years 2022, 2023, and 2024. |  | Reviewer Comment (2025-12-11): 4506-C document received - Exception cleared.<br>Reviewer Comment (2025-12-08): Provide verification of the e-sign consent.<br>Reviewer Comment (2025-12-04): As per guidelines, executed 4506-C form from any individual named as a borrower on the loan is required for all programs. | 12/11/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 856490 | xxxxxx | 35288604 | xxxxxx | 11/20/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 7819.00 | Fraud Report disclosed a judgment for $7,819.00 without evidence of settlement or release of debt. Per guidelines, all judgments must be paid in full prior to, or at closing. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2025-12-08): Waived with compensating factors per lender exception approval.<br>Reviewer Comment (2025-12-04): Please provide evidence of this judgment being satisfied/paid off. As per guidelines, all judgments and liens must be paid in full prior to or at closing. |  |  | 12/08/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 857092 | xxxxxx | 35309334 | xxxxxx | 12/22/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Right to Receive a Copy appraisal disclosure not provided. |  | Reviewer Comment (2025-12-22): Waived |  |  | 12/22/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 857105 | xxxxxx | 35309346 | xxxxxx | 12/22/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  | Reviewer Comment (2025-12-22): Waived |  |  | 12/22/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 857109 | xxxxxx | 35309341 | xxxxxx | 12/22/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  | Reviewer Comment (2025-12-22): Waived |  |  | 12/22/2025 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A | No | Mortgagor Focused |

---

## Exhibit 99.4

**EXHIBIT 99.4**

**AMC Rating Agency Grades**

![](tm264015d1_ex99-4img01.jpg)

**Rating Agency Grades**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Moody's** | **Scope** |
| xxxxxx | 832943 | xxxxxx | xxxxxx | xxxxxx C | D | D | D | D | D A | A D B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 837041 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 837536 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 840272 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 840780 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 841570 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842394 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842880 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843272 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A | A C D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843846 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 844355 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A D | D A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844367 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844463 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844485 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844510 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C D | D A | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 844649 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 845208 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 845211 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 845214 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 845216 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 845217 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 845514 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 845826 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 845986 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 846021 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C A | A D | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846138 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 846160 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 846415 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 846417 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 846429 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 846474 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 846733 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846753 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 846814 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 846878 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846879 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B D | C D A | B | B | B | B | B | B | Mortgagor Focused |
| xxxxxx | 847125 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847227 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 847231 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847236 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847360 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847378 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847383 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847396 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C B | C | C | C | C | C A | A C | Mortgagor Focused |
| xxxxxx | 847458 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847559 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 847587 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847696 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 847697 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | N/A C B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 847719 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847817 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847919 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 848041 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848069 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | D A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848070 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A | A C D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848071 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848072 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 848074 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848076 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 848077 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848080 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 848081 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848082 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848083 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848085 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848087 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 848089 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848090 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848091 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848092 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848094 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848096 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848097 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848098 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | D A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848099 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848100 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848117 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848128 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848186 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 848189 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 848230 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848259 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848269 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 848277 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A | A C D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 848302 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 848327 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848403 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A B C | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 848493 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848499 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848525 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848531 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848588 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848599 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 848616 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848651 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848653 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 848685 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848693 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848826 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848932 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 848954 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848970 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 848992 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A D | D A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849022 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 849041 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 849044 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 849076 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849137 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 849151 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 849157 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A D | D A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 849170 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 849219 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 849235 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849246 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 849260 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 849280 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 849294 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 849388 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849560 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 849648 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 849677 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 849699 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 849725 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 849790 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 849847 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849924 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 849932 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 849982 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 850023 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 850045 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850179 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 850182 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850193 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850240 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850257 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 850259 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850286 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 850289 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850290 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 850293 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850295 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850306 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850308 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850314 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850322 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 850324 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850327 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 850328 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850340 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850421 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850438 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 850480 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850500 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850523 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 850548 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850549 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 850561 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 850575 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850603 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 850653 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850693 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 850755 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 850762 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850764 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850774 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 850775 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 850791 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 850850 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850889 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 850925 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 850988 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851009 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | N/A C B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 851036 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 851037 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851038 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851040 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851041 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851043 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851045 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851046 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 851047 | xxxxxx | xxxxxx | xxxxxx B | C | C | C | C | C A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 851050 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851051 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851052 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851054 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851055 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851056 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851057 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | D A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851058 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851108 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851306 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851406 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851445 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 851526 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851534 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851578 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | D A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851579 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851580 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851581 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851582 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851583 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851584 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851585 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851586 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 851587 | xxxxxx | xxxxxx | xxxxxx C | B | C | B | C | B A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851588 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851589 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851590 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851591 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851592 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851595 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 851597 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851640 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851642 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 851697 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851709 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851728 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851757 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851768 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851789 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851793 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851834 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 851836 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 851877 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851890 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851892 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 851919 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 851985 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852147 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 852153 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852154 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852155 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852156 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852157 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852160 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852162 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852165 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852167 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 852168 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852170 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852171 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852173 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852174 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 852175 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852176 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852177 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 852178 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852179 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852180 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852199 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852398 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 852407 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852410 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852424 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 852448 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 852473 | xxxxxx | xxxxxx | xxxxxx B | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852476 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 852542 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | N/A D | A | A | A | A | A | N/A | Mortgagor Focused |
| xxxxxx | 852601 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C A | A D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852704 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852705 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852706 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852707 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852711 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852712 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 852713 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852714 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852715 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852716 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852717 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | D A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852718 | xxxxxx | xxxxxx | xxxxxx B | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 852719 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852720 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 852721 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852722 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 852723 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852724 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852725 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852727 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 852728 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852729 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852730 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852731 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852733 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852734 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852735 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 852737 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 852786 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 852875 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 853094 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 853329 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 853438 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 853720 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 853725 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 853726 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 853730 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 853731 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 853732 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 853735 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 853736 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 853737 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 853739 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A | A B | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 853742 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 853744 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 853745 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 853746 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 853747 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 853748 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 853749 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 853751 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 853752 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 853753 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 853754 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 853994 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854168 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854170 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854173 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 854174 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 854396 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854397 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854399 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A D | D A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854401 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854402 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854403 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854405 | xxxxxx | xxxxxx | xxxxxx C D | C | C | C | C | C A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854406 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854407 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854408 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854409 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854410 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854411 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854412 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854413 | xxxxxx | xxxxxx | xxxxxx B | C | C | C | C | C D | D B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 854414 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 854415 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854416 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A | A B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 854417 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 854418 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854422 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854423 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854427 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854428 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854429 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854431 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854676 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854678 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A | A B | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854679 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A | A B | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854680 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 854682 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 854683 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 854685 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854687 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 854688 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 854690 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 854692 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 854694 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854695 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 854698 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A B | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854699 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 854701 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 854702 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 854704 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 854706 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 854707 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 854708 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 854711 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 854714 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 854717 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 854718 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854719 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 854720 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854721 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 854723 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854724 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 854725 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 854726 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855200 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855202 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 855204 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855205 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855206 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855207 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 855208 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855209 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855210 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A B | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855211 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 855213 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 855215 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855216 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855217 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 855687 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855690 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855698 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855703 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 855705 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855706 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855708 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855712 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855713 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C D | D A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 856487 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 856490 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 857092 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 857099 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857104 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857105 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 857107 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 857109 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A B | B | B | B | B | B A | A B | Mortgagor Focused |

---

## Exhibit 99.5

**EXHIBIT 99.5**

**AMC QM-ATR Diligence Report**

![](tm264015d1_ex99-5img01.jpg)

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Borrower Name** | **Originator QM Designation** | **Originator Re Stated QM Designation** | **Due Diligence QM Designation** | **Application Date** |
| xxxxxx | 832943 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837041 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 837536 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 840272 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 840780 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841570 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 842394 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 842880 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 843272 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 843846 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 844355 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 844367 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 844463 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 844485 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 844510 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844649 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 845208 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 845211 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845214 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 845216 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 845217 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 845514 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 845826 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 845986 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 846021 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846138 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 846160 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 846415 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 846417 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 846429 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 846474 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 846733 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846753 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846814 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 846878 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846879 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847125 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 847227 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 847231 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 847236 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 847360 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 847378 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 847383 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 847396 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847458 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 847559 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 847587 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 847696 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 847697 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847719 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 847817 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 847919 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848041 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848069 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848070 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848071 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848072 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848074 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848076 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848077 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848080 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848081 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848082 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848083 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848085 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848087 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848089 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848090 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848091 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848092 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848094 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848096 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848097 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848098 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848099 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848100 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848117 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848128 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848186 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848189 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848230 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848259 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848269 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848277 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848302 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848327 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848403 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848493 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848499 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848525 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848531 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848588 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848599 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848616 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848651 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848653 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848685 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848693 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848826 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848932 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848954 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 848970 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 848992 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849022 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849041 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849044 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849076 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 849137 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849151 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849157 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849170 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849219 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849235 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 849246 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849260 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849280 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849294 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849388 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849560 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849648 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849677 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849699 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849725 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849790 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849847 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849924 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 849932 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 849982 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850023 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850045 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850179 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850182 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850193 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850240 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850257 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850259 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850286 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850289 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850290 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850293 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850295 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850306 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850308 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850314 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850322 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850324 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850327 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850328 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850340 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850421 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850438 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850480 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850500 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850523 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850548 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850549 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850561 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850575 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850603 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 850653 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850693 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850755 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850762 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850764 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850774 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850775 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850791 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850850 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850889 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 850925 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 850988 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851009 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851036 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851037 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851038 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851040 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851041 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851043 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851045 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851046 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851047 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851050 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851051 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851052 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851054 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851055 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851056 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851057 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851058 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851108 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851306 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851406 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851445 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851526 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851534 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851578 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851579 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851580 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851581 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851582 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851583 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851584 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851585 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851586 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851587 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 851588 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851589 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851590 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851591 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851592 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851595 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851597 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851640 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851642 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851697 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851709 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851728 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851757 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851768 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851789 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851793 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851834 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851836 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 851877 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851890 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851892 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 851919 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 851985 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852147 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852153 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852154 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852155 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852156 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852157 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852160 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852162 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852165 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852167 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852168 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852170 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852171 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852173 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852174 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) | Non QM | Non QM | xxxxxx |
| xxxxxx | 852175 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852176 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852177 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852178 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852179 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852180 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852199 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852398 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 852407 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 852410 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852424 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852448 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 852473 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852476 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852542 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852601 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852704 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852705 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852706 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852707 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852711 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852712 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852713 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852714 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852715 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852716 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852717 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852718 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 852719 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852720 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 852721 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852722 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852723 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852724 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852725 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852727 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 852728 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852729 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852730 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 852731 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852733 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852734 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852735 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852737 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 852786 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852875 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 853094 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 853329 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 853438 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 853720 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 853725 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 853726 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 853730 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 853731 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853732 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 853735 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853736 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853737 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853739 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 853742 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 853744 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 853745 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853746 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853747 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853748 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853749 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853751 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853752 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853753 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 853754 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 853994 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 854168 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854170 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 854173 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 854174 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 854396 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 854397 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 854399 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 854401 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 854402 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 854403 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 854405 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854406 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854407 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854408 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854409 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854410 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854411 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854412 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854413 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854414 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854415 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854416 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854417 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854418 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854422 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854423 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854427 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854428 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854429 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854431 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 854676 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 854678 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 854679 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 854680 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854682 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854683 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854685 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 854687 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854688 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854690 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854692 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854694 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 854695 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854698 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 854699 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854701 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854702 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854704 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 854706 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854707 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854708 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854711 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854714 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854717 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854718 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 854719 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 854720 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 854721 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854723 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 854724 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 854725 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 854726 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 855200 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 855202 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855204 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 855205 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 855206 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 855207 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855208 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 855209 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 855210 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 855211 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855213 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855215 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 855216 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 855217 | xxxxxx | xxxxxx |  |  | N/A | xxxxxx |
| xxxxxx | 855687 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 855690 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 855698 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 855703 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 855705 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 855706 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 855708 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 855712 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 855713 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 855716 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 856487 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 856490 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 857092 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857099 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 857104 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 857105 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857107 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857109 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |

---

## Exhibit 99.6

**EXHIBIT 99.6**

**AMC Valuation report**

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** | **Scope** |
| xxxxxx | 832943 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/29/2024 | 10/29/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 3.690% | 11/26/2024 | 11/21/2024 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 | Mortgagor Focused |
| xxxxxx | 837041 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 837536 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 03/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/14/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 840272 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 840780 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 06/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 841570 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Property Focused |
| xxxxxx | 842394 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 842880 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.230% | 04/24/2025 | 04/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843272 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 05/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 | Property Focused |
| xxxxxx | 843846 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/24/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.20 | Property Focused |
| xxxxxx | 844355 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  |  | 0.000% | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Property Focused |
| xxxxxx | 844367 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/11/2025 | 07/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.80 | Property Focused |
| xxxxxx | 844463 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Property Focused |
| xxxxxx | 844485 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/21/2025 | 07/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 | Property Focused |
| xxxxxx | 844510 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/11/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/18/2025 | 06/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844649 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/21/2025 | 08/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Property Focused |
| xxxxxx | 845208 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/25/2025 | 08/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 | Property Focused |
| xxxxxx | 845211 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/02/2025 | 07/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.40 | Mortgagor Focused |
| xxxxxx | 845214 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/26/2025 | 08/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 | Property Focused |
| xxxxxx | 845216 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.30 | Property Focused |
| xxxxxx | 845217 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/26/2025 | 08/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 | Property Focused |
| xxxxxx | 845514 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/13/2025 | 06/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 845826 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 845986 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.270% | 08/21/2025 | 08/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 | Property Focused |
| xxxxxx | 846021 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/23/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 846138 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/29/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 08/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 846160 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/16/2025 | 08/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 846415 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 846417 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 56.900% | 09/03/2025 | 09/03/2025 | AVM | xxxxxx | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 846429 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  |  | 0.000% | xxxxxx |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% |  |  | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |  |  |  | Property Focused |
| xxxxxx | 846474 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 | Property Focused |
| xxxxxx | 846733 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 08/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/20/2025 | 08/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.90 | Mortgagor Focused |
| xxxxxx | 846753 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 0.050% | xxxxxx | 08/07/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.050% | 10/08/2025 | 08/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 846814 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/14/2025 | 08/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Property Focused |
| xxxxxx | 846878 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/29/2022 | 09/22/2022 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 | Mortgagor Focused |
| xxxxxx | 846879 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/11/2024 |  | Stated | xxxxxx |  |  |  | xxxxxx | xxxxxx | 18.920% | 10/03/2025 | 01/16/2024 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 18.920% | xxxxxx | 10/03/2025 | 01/16/2024 |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 847125 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847227 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/02/2025 | 07/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Property Focused |
| xxxxxx | 847231 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847236 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/31/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/21/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 847360 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/15/2025 | 09/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847378 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847383 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/11/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847396 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/13/2025 | 02/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 847458 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/19/2025 | 09/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/24/2025 | 09/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 | Property Focused |
| xxxxxx | 847559 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.340% | 09/03/2025 | 09/03/2025 | AVM | xxxxxx | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 847587 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847696 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/15/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 847697 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/12/2025 | 09/15/2025 | Desk Review | xxxxxx |  | Low | xxxxxx | xxxxxx | 1.900% | xxxxxx | 0.11 | 10/20/2025 |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.900% | xxxxxx | 10/20/2025 | 10/20/2025 |  |  |  |  |  | N/A |  | 2.70 | Mortgagor Focused |
| xxxxxx | 847719 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/27/2025 | 08/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847817 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/04/2025 | 07/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847919 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/30/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/03/2025 | 05/29/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848041 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 848069 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/09/2025 | 04/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/27/2025 | 04/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848070 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/18/2025 | 04/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 04/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848071 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/30/2025 | 04/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848072 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/21/2025 | 04/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/23/2025 | 04/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848074 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/26/2025 | 04/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848076 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/10/2025 | 05/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/15/2025 | 05/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848077 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 02/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 02/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848080 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/31/2025 | 05/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/13/2025 | 05/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848081 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/12/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848082 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/14/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848083 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/14/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848085 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/09/2025 | 05/28/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848087 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 05/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848089 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/08/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/12/2025 | 06/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848090 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/08/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/12/2025 | 06/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848091 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/08/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/16/2025 | 06/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848092 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/08/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/16/2025 | 06/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848094 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/28/2025 | 07/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/05/2025 | 07/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848096 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/28/2025 | 07/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/06/2025 | 07/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848097 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/21/2025 | 07/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848098 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/15/2025 | 07/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 08/15/2025 | 07/31/2025 |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848099 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/11/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/25/2025 | 06/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848100 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 08/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/14/2025 | 08/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848117 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/09/2025 | 08/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 848128 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/04/2025 | 09/04/2025 | AVM | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 848186 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/18/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -1.010% | 10/13/2025 | 10/13/2025 | AVM | xxxxxx | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -1.010% | xxxxxx | 10/13/2025 | 10/13/2025 |  |  |  |  |  | No | 5.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 848189 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 848230 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 848259 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/29/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 848269 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/16/2025 | 08/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 848277 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 08/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.70 | Property Focused |
| xxxxxx | 848302 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 2.170% | 08/20/2025 | 07/18/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 848327 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 09/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848403 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 07/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/15/2025 | 07/21/2025 | Desk Review | xxxxxx |  | Low | xxxxxx | xxxxxx | -19.73% | xxxxxx |  | 8/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848493 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 09/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/19/2025 | 09/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848499 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 09/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848525 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/03/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.990% | 09/19/2025 | 09/19/2025 | AVM | xxxxxx | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 848531 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.830% | 09/18/2025 | 09/18/2025 | AVM | xxxxxx | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Property Focused |
| xxxxxx | 848588 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 848599 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/03/2025 | 09/26/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 848616 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.190% | 09/29/2025 | 09/29/2025 | AVM | xxxxxx | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 848651 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/03/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848653 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/28/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/24/2025 | 07/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848685 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.760% | 10/24/2025 | 10/24/2025 | AVM | xxxxxx | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.760% | xxxxxx | 10/24/2025 | 10/24/2025 |  |  |  |  |  | No | 5.00 | 1.00 | Property Focused |
| xxxxxx | 848693 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 848826 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/21/2025 | 06/19/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848932 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/20/2025 | 09/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 848954 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/06/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/10/2025 | 09/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 848970 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/28/2025 | 09/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848992 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/21/2025 | 02/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/24/2025 | 02/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 849022 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 849041 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/25/2025 | 08/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 849044 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/22/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/24/2025 | 09/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 | Mortgagor Focused |
| xxxxxx | 849076 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/10/2025 | 10/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.00 | Mortgagor Focused |
| xxxxxx | 849137 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/26/2025 | 10/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 849151 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 849157 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/09/2025 | 08/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 849170 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/09/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 849219 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/08/2025 | 07/28/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.40 | Property Focused |
| xxxxxx | 849235 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/29/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/17/2025 | 09/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.70 | Mortgagor Focused |
| xxxxxx | 849246 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/29/2025 | 09/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 849260 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 08/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/12/2025 | 08/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 849280 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.280% | 09/26/2025 | 09/26/2025 | AVM | xxxxxx | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 849294 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/09/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/15/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 849388 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/03/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/28/2025 | 10/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 849560 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 08/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 849648 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 849677 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/03/2025 | 09/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 849699 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/05/2025 | 09/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 | Property Focused |
| xxxxxx | 849725 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 09/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 849790 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/03/2025 | 09/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 849847 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/19/2025 | 07/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 | Mortgagor Focused |
| xxxxxx | 849924 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 849932 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/22/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/08/2025 | 10/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 849982 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/07/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Mortgagor Focused |
| xxxxxx | 850023 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/29/2025 | 09/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 850045 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/08/2025 | 10/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 850179 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/27/2025 | 08/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850182 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 2.450% | 11/17/2025 | 10/24/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 2.450% | xxxxxx | 11/17/2025 | 10/24/2025 |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850193 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 43.370% | xxxxxx | 10/29/2025 | 09/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 43.370% | 10/28/2025 | 09/23/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 850240 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/16/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 850257 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850259 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/19/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.210% | 09/22/2025 | 09/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850286 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850289 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 08/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Property Focused |
| xxxxxx | 850290 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/30/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850293 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 850295 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/18/2025 | 09/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850306 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 850308 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 850314 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/20/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 850322 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/12/2025 | 09/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 850324 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 850327 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 09/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850328 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/18/2025 | 09/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/26/2025 | 09/16/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Property Focused |
| xxxxxx | 850340 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 2.130% | 09/30/2025 | 09/26/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850421 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/18/2025 | 10/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 3.640% | 10/07/2025 | 10/07/2025 | AVM | xxxxxx | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Property Focused |
| xxxxxx | 850438 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 850480 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/06/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 850500 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 2.840% | xxxxxx | 09/18/2025 | 09/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/08/2025 | 09/25/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850523 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/11/2025 | 10/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850548 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 | Mortgagor Focused |
| xxxxxx | 850549 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 850561 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/17/2025 | 09/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.70 | Mortgagor Focused |
| xxxxxx | 850575 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/08/2025 | 09/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.10 | Property Focused |
| xxxxxx | 850603 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/20/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Mortgagor Focused |
| xxxxxx | 850653 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/16/2025 | 10/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 850693 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 850755 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Mortgagor Focused |
| xxxxxx | 850762 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/17/2025 | 10/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850764 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/31/2025 | 10/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850774 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 850775 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 850791 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.430% | 09/29/2025 | 09/29/2025 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850850 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 850889 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/25/2025 | 10/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850925 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 10/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Mortgagor Focused |
| xxxxxx | 850988 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/13/2025 | 09/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 851009 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/12/2025 | 10/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/16/2025 | 10/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 851036 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 3.570% | xxxxxx | 09/30/2025 | 09/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/26/2025 | 09/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 | Property Focused |
| xxxxxx | 851037 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/26/2025 | 08/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 | Property Focused |
| xxxxxx | 851038 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/18/2025 | 09/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/23/2025 | 09/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 | Property Focused |
| xxxxxx | 851040 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Property Focused |
| xxxxxx | 851041 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 851043 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/28/2025 | 07/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 851045 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/07/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 851046 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 851047 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 | Mortgagor Focused |
| xxxxxx | 851050 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 851051 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/29/2025 | 09/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/03/2025 | 09/23/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 851052 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 851054 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 851055 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Property Focused |
| xxxxxx | 851056 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 851057 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 09/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 851058 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 09/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/18/2025 | 09/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 851108 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/31/2025 | 10/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 851306 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/16/2025 | 09/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/21/2025 | 09/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 851406 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/27/2025 | 10/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 851445 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/24/2025 | 03/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/02/2025 | 03/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.10 | Property Focused |
| xxxxxx | 851526 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 09/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  | Property Focused |
| xxxxxx | 851534 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/29/2025 | 10/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 | Mortgagor Focused |
| xxxxxx | 851578 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/03/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -7.650% | 09/03/2025 | 08/05/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Property Focused |
| xxxxxx | 851579 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/03/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/04/2025 | 08/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 | Property Focused |
| xxxxxx | 851580 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/29/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/16/2025 | 06/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 | Property Focused |
| xxxxxx | 851581 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/31/2025 | 08/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 851582 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 851583 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 851584 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/09/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 851585 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/12/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 851586 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 851587 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 09/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/02/2025 | 09/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 | Mortgagor Focused |
| xxxxxx | 851588 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 851589 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Property Focused |
| xxxxxx | 851590 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 | Property Focused |
| xxxxxx | 851591 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 851592 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 10/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 851595 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/26/2025 | 09/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 851597 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 851640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 10/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 851642 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 10/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 851697 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/19/2025 | 10/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/19/2025 | 10/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 851709 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/26/2025 | 09/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 851728 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/22/2025 | 10/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 851757 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/06/2025 | 10/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 851768 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/14/2025 | 10/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 851789 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 09/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/28/2025 | 09/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 851793 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/13/2025 | 09/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 | Property Focused |
| xxxxxx | 851834 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 09/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/23/2025 | 09/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 851836 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/29/2025 | 09/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/08/2025 | 09/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.00 | Mortgagor Focused |
| xxxxxx | 851877 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 10/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 851890 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 10/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 851892 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 851919 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 10/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 851985 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/10/2025 | 09/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Property Focused |
| xxxxxx | 852147 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | xxxxxx | 12.510% | xxxxxx | 09/19/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 852153 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 852154 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 09/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/10/2025 | 09/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 | Property Focused |
| xxxxxx | 852155 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/05/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 852156 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 852157 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 852160 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -7.320% | 10/15/2025 | 09/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 | Property Focused |
| xxxxxx | 852162 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 852165 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 852167 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/07/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/15/2025 | 10/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 852168 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/06/2025 | 09/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 | Property Focused |
| xxxxxx | 852170 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 852171 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 10/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/14/2025 | 10/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 852173 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Property Focused |
| xxxxxx | 852174 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 852175 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 10/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/21/2025 | 10/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 852176 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Property Focused |
| xxxxxx | 852177 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 10/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 852178 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/11/2025 | 10/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 852179 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/12/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 | 1.40 | Property Focused |
| xxxxxx | 852180 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/09/2025 | 09/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.20 | Property Focused |
| xxxxxx | 852199 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 10/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/23/2025 | 10/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 852398 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/28/2025 | 10/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 852407 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 852410 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/29/2025 | 10/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/28/2025 | 10/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 852424 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 852448 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 06/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.30 | Mortgagor Focused |
| xxxxxx | 852473 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 852476 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 | Mortgagor Focused |
| xxxxxx | 852542 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2025 | 11/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 852601 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 09/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/02/2025 | 09/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 852704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 852705 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/22/2025 | 09/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 | Property Focused |
| xxxxxx | 852706 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 09/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 852707 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 852711 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 852712 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/24/2025 | 09/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 852713 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 852714 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 852715 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 852716 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 852717 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Property Focused |
| xxxxxx | 852718 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 10/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Mortgagor Focused |
| xxxxxx | 852719 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 10/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 852720 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 852721 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 10/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 852722 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 852723 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 10/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 852724 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/15/2025 | 10/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 852725 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/22/2025 | 10/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 852727 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 09/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 852728 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/16/2025 | 10/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 852729 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 10/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 852730 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/19/2025 | 10/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Mortgagor Focused |
| xxxxxx | 852731 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 10/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 852733 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/28/2025 | 08/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 852734 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/22/2025 | 10/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 | Property Focused |
| xxxxxx | 852735 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/22/2025 | 10/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 852737 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 852786 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/04/2025 | 10/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 852875 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2025 | 10/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 853094 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/18/2025 | 10/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/04/2025 | 10/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 853329 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/09/2025 | 01/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 853438 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 853720 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/06/2025 | 11/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/12/2025 | 11/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.20 | Mortgagor Focused |
| xxxxxx | 853725 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/31/2025 | 10/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 | Mortgagor Focused |
| xxxxxx | 853726 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2025 | 11/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.00 | Mortgagor Focused |
| xxxxxx | 853730 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/03/2025 | 09/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 | Mortgagor Focused |
| xxxxxx | 853731 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 10/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/24/2025 | 10/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 853732 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 853735 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/13/2025 | 09/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 853736 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/13/2025 | 09/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 853737 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 853739 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/18/2025 | 10/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 18.920% | 10/30/2025 | 10/30/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 10/23/2025 | 10/17/2025 |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 | Mortgagor Focused |
| xxxxxx | 853742 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 853744 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/06/2025 | 09/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 853745 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/05/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Property Focused |
| xxxxxx | 853746 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/15/2025 | 10/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 | Property Focused |
| xxxxxx | 853747 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/22/2025 | 10/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 853748 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 853749 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/04/2025 | 10/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 853751 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 10/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/20/2025 | 10/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 853752 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 10/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 853753 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 853754 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/24/2025 | 10/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 853994 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 10/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/16/2025 | 10/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 | Mortgagor Focused |
| xxxxxx | 854168 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/31/2025 | 10/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 854170 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/16/2025 | 10/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.70 | Mortgagor Focused |
| xxxxxx | 854173 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/02/2025 | 10/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/02/2025 | 10/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 854174 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 | Mortgagor Focused |
| xxxxxx | 854396 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854397 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/29/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Mortgagor Focused |
| xxxxxx | 854399 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/28/2025 | 10/08/2025 | Field Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 854401 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/09/2025 | 10/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/13/2025 | 10/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 | Mortgagor Focused |
| xxxxxx | 854402 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 10/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.590% | 10/17/2025 | 10/13/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 | Mortgagor Focused |
| xxxxxx | 854403 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 854405 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/25/2025 | 09/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854406 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854407 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/07/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854408 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/23/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854409 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 10/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854410 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/24/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854411 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854412 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 09/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854413 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/22/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/05/2025 | 09/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 854414 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/09/2025 | 09/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/13/2025 | 09/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 | Mortgagor Focused |
| xxxxxx | 854415 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 854416 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/13/2025 | 10/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854417 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/15/2025 | 09/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/18/2025 | 09/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 | Mortgagor Focused |
| xxxxxx | 854418 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/22/2025 | 10/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 | Mortgagor Focused |
| xxxxxx | 854422 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/10/2025 | 10/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/13/2025 | 10/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 854423 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/27/2025 | 10/16/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 | Mortgagor Focused |
| xxxxxx | 854427 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/15/2025 | 10/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 854428 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 10/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854429 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854431 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/15/2025 | 10/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854676 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/11/2025 | 10/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854678 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 854679 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854680 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 10/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854682 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2025 | 10/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854683 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/06/2025 | 10/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/06/2025 | 10/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 854685 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/24/2025 | 10/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -0.480% | 10/23/2025 | 10/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 854687 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2025 | 10/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/07/2025 | 10/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 | Property Focused |
| xxxxxx | 854688 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/05/2025 | 10/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/07/2025 | 10/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 | Property Focused |
| xxxxxx | 854690 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/04/2025 | 10/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/05/2025 | 10/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 854692 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854694 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/19/2025 | 10/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854695 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/08/2025 | 10/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Property Focused |
| xxxxxx | 854698 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854699 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Property Focused |
| xxxxxx | 854701 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/02/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854702 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/17/2025 | 10/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/03/2025 | 10/14/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 | Property Focused |
| xxxxxx | 854704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 10/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/23/2025 | 10/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 854706 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/30/2025 | 10/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/04/2025 | 10/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 854707 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/06/2025 | 11/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854708 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/04/2025 | 11/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/10/2025 | 11/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 | Property Focused |
| xxxxxx | 854711 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Property Focused |
| xxxxxx | 854714 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/19/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/29/2025 | 09/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 854717 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/21/2025 | 10/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 854718 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/04/2025 | 11/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Mortgagor Focused |
| xxxxxx | 854719 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/02/2025 | 10/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 854720 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 10/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854721 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854723 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/03/2025 | 10/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 854724 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/10/2025 | 11/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/13/2025 | 11/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 | Mortgagor Focused |
| xxxxxx | 854725 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/10/2025 | 11/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 854726 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/10/2025 | 11/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/18/2025 | 11/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 | Mortgagor Focused |
| xxxxxx | 855200 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/23/2025 | 10/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 855202 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/04/2025 | 10/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/06/2025 | 10/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 855204 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/15/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 855205 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/03/2025 | 10/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 855206 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/10/2025 | 11/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 855207 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/03/2025 | 10/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855208 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/07/2025 | 11/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 855209 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/31/2025 | 10/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 855210 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/30/2025 | 10/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 855211 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/18/2025 | 10/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855213 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/17/2025 | 11/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 855215 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/12/2025 | 11/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 855216 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/11/2025 | 11/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 855217 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/02/2025 | 10/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/13/2025 | 10/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 | Property Focused |
| xxxxxx | 855687 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/13/2025 | 10/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 855690 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/28/2025 | 10/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 855698 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/10/2025 | 11/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/11/2025 | 11/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Mortgagor Focused |
| xxxxxx | 855703 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/12/2025 | 11/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 855705 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/12/2025 | 11/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 855706 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/10/2025 | 11/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 855708 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 10/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 855712 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/17/2025 | 11/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 855713 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/18/2025 | 11/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/28/2025 | 11/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/06/2025 | 11/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 856487 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/20/2025 | 10/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/23/2025 | 10/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 856490 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/14/2025 | 10/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857092 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/14/2025 | 10/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 857099 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/01/2025 | 09/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857104 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/19/2025 | 11/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857105 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/18/2025 | 11/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857107 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/19/2025 | 11/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 857109 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/21/2025 | 11/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/05/2025 | 11/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 | Mortgagor Focused |

---

## Exhibit 99.7

**EXHIBIT 99.7**

**AMC Supplemental Data**

![](tm264015d1_ex99-7img01.jpg)

**Supplemental Data**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** | **Scope** |
| xxxxxx | 832943 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7121.70 | $8677.70 | xxxxxx | 8.536% | $1273.82 | $1273.82 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12232.52 | 1 | xxxxxx | $939.00 | xxxxxx | $78.25 |  |  |  |  |  | 24.735% | 24.735% | 24.735% | 09/28/2024 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7121.70 | xxxxxx | 6.630% | $0.00 | 1.1 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $66359.67 | 30.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.68 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 837041 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5347.30 | $5347.30 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1416.96 | xxxxxx | $118.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/16/2025 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.56 | 1.78 |  |  |  |  |  |  |  | xxxxxx | $437306.69 | 34.980% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.29 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 837536 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1801.80 | $1801.80 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $669.96 | xxxxxx | $55.83 | xxxxxx |  | $435.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/11/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $64204.67 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 66.62 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 840272 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1380.20 | $1380.20 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1937.04 | xxxxxx | $161.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/23/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $318770.48 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 123.61 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 840780 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $22264.80 | $32556.24 | xxxxxx | 8.669% | $4573.78 | $4573.78 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21823.53 | 1 | xxxxxx | $3704.04 | xxxxxx | $308.67 |  |  |  |  |  | 22.482% | 22.482% | 22.482% | 09/09/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22264.80 | xxxxxx | 6.890% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $145465.26 | 18.890% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.43 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 841570 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $860.89 | $860.89 | 6.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $288.00 | xxxxxx | $24.00 | xxxxxx |  | $460.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/25/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 71.06 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 842394 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5456.33 | $5456.33 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $17499.96 | xxxxxx | $1458.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $1956799.22 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 113.87 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 842880 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3117.80 | $3117.80 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1489.08 | xxxxxx | $124.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/02/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.18 |  |  |  |  |  |  |  | xxxxxx | $6039.73 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 78.55 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 843272 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2417.89 | $2417.89 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1136.04 | xxxxxx | $94.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/15/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.6 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 29.38 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 843846 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4744.44 | $4744.44 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2606.04 | xxxxxx | $217.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/23/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.82 | 0.54 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 29.81 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844355 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7014.82 | $7014.82 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | xxxxxx | $16205.64 |  | $1350.47 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/01/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  |  | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.73 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 41.33 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844367 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2796.86 | $2796.86 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1230.96 | xxxxxx | $102.58 | xxxxxx |  | $25.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/17/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.8 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 114.23 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 844463 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3864.18 | $3864.18 | 7.624% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $2900.04 | xxxxxx | $241.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/06/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 21.23 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844485 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8048.55 | $8048.55 | 7.374% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $824.04 | xxxxxx | $68.67 | xxxxxx | xxxxxx | $1553.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/26/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.8 |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $944910.70 | 56.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 26.54 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 844510 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2265.63 | $14648.45 | xxxxxx | 6.523% | $3117.07 | $3117.07 | 6.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2464.78 | 1 | xxxxxx | $1419.00 | xxxxxx | $118.25 | xxxxxx | xxxxxx | $146.00 |  | Monthly | 54.966% | 54.966% | 54.966% | 06/03/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2265.63 | xxxxxx | 6.920% | $0.00 |  | DU |  | ApproveEligible | N/A | No | 6.250% | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $291414.15 | 34.890% | No | 29 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 82.07 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 844649 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1573.27 | $1573.27 | 7.250% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1746.96 | xxxxxx | $145.58 | xxxxxx |  | $322.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/07/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $177419.26 | 57.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 41.82 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845208 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1075.25 | $1075.25 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1524.00 | xxxxxx | $127.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/15/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.9 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.07 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 107.22 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 845211 | xxxxxx | N/A |  |  | xxxxxx | No | No | $22201.86 | $15292.17 | xxxxxx | 8.781% | $2253.80 | $2253.80 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10311.61 | 1 | xxxxxx | $3063.00 | xxxxxx | $255.25 |  |  |  |  |  | 51.324% | 51.324% | 51.324% | 07/22/2025 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2013<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22201.86 | xxxxxx | 6.610% | $0.00 | 2.4 |  |  |  | No | No | 8.250% | 0 |  | 1 | 0 | 2 | 1 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 56.05 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 845214 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1075.25 | $1075.25 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1524.00 | xxxxxx | $127.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/15/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.07 |  |  |  |  |  |  |  | xxxxxx | $6971.48 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 112.13 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 845216 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1091.76 | $1091.76 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1683.00 | xxxxxx | $140.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/15/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.05 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 106.57 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 845217 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1075.25 | $1075.25 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1524.00 | xxxxxx | $127.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/15/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.9 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.07 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 107.12 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 845514 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1398.43 | $1398.43 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2352.96 | xxxxxx | $196.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/25/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.73 |  |  |  |  |  |  |  | xxxxxx | $56562.10 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 89.31 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 6 | Property Focused |
| xxxxxx | 845826 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $985.40 | $985.40 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $159.96 | xxxxxx | $13.33 | xxxxxx |  | $539.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/14/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.89 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 83.42 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 845986 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2023.34 | $2023.34 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1833.96 | xxxxxx | $152.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/18/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 37.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846021 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7495.92 | $8473.50 | xxxxxx | 8.742% | $1442.43 | $1442.43 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3983.03 | 1 | xxxxxx | $7014.96 | xxxxxx | $584.58 |  |  |  |  |  | 35.424% | 35.424% | 35.424% | 08/05/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $7495.92 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $7479.35 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 78.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 846138 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3501.72 | $3501.72 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1329.00 | xxxxxx | $110.75 | xxxxxx |  | $552.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/29/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.15 |  |  |  |  |  |  |  | xxxxxx | $379540.39 | 48.650% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.81 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846160 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1077.95 | $1077.95 | 7.125% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1248.96 | xxxxxx | $104.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 108.79 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Property Focused |
| xxxxxx | 846415 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1061.69 | $1061.69 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $7117.32 | xxxxxx | $593.11 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/16/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.8 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 67.73 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846417 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1074.62 | $1074.62 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $5668.20 | xxxxxx | $472.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/16/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.64 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 80.14 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846429 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7729.24 | $7729.24 | 7.125% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | xxxxxx | $10577.88 |  | $881.49 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  |  | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 114.11 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 10 | Property Focused |
| xxxxxx | 846474 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2521.52 | $2521.52 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $10320.36 | xxxxxx | $860.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/08/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.22 |  |  |  |  |  |  |  | xxxxxx | $136692.93 | 28.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 21.71 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846733 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9740.00 | $12773.37 | xxxxxx | 9.043% | $6110.55 | $6110.55 | 8.875% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11145.73 | 1 | xxxxxx | $4319.04 | xxxxxx | $359.92 |  |  |  |  |  | 49.201% | 49.201% | 49.201% | 08/11/2025 | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Child Support]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Child Support]; Child Support Order - 2018<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9740.00 | xxxxxx | 6.610% | $0.00 | 1.9 |  |  |  | No | No | 8.875% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $259622.39 | 27.040% | No | 6 | 32 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.77 |  | No | No | xxxxxx | $0.00 | $11570.14 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 846753 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1460.00 | $2652.50 | xxxxxx | 6.935% | $2194.15 | $2194.15 | 6.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $30270.82 | 1 | xxxxxx | $2651.04 | xxxxxx | $220.92 | xxxxxx |  | $310.00 |  | Monthly | 25.362% | 25.362% | 25.362% | 08/22/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 1996<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - P&L Statement Only]; Other - 1996<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - P&L Statement Only]; P&L Statement - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1460.00 | xxxxxx | 6.310% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Resident Alien Card |  |  | No | 0.74 |  | No | No | xxxxxx | $40557.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 846814 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3435.96 | $3435.96 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2331.72 | xxxxxx | $194.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.95 | 0.51 |  |  |  |  |  |  |  | xxxxxx | $262511.28 | 38.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 21.63 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 846878 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8849.95 | $13829.07 | xxxxxx | 6.909% | $2766.12 | $2766.12 | 6.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $2660.69 | 1 | xxxxxx | $1598.04 | xxxxxx | $133.17 |  |  |  |  |  | 57.294% | 57.294% | 57.294% | 09/08/2022 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019 | [Borrower]; 4506-C - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8849.95 | xxxxxx | 6.380% | $0.00 | 1.8 | LP / LPA |  | Accept/Eligible | Yes | No | 6.625% | 0 | 0 | 2 | 0 | 4 | 2 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $15000.00 | 2.970% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 33.39 |  |  | No | xxxxxx | $2896.03 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 846879 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1670.00 | $3555.19 | xxxxxx | 7.361% | $598.17 | $598.17 | 6.990% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $1406.57 | 1 | xxxxxx | $752.16 | xxxxxx | $62.68 | xxxxxx | xxxxxx | $325.00 |  | Monthly | 47.727% | 47.727% | 47.727% | 11/16/2023 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1670.00 | xxxxxx | 6.550% | $0.00 |  | LP / LPA | Yes | Accept/Eligible | N/A | No | 6.990% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $132446.30 | 71.590% | No | 9 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.88 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 847125 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $768.39 | $768.39 | 7.490% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2124.96 | xxxxxx | $177.08 | xxxxxx | xxxxxx | $1680.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/21/2025 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.61 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 51.17 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Property Focused |
| xxxxxx | 847227 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1053.46 | $1053.46 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1398.60 | xxxxxx | $116.55 | xxxxxx | xxxxxx | $210.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/29/2025 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $7380.15 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 84.56 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 847231 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1410.19 | $1410.19 | 8.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1943.76 | xxxxxx | $161.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/11/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 6.57 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847236 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1090.00 | $1090.00 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1715.76 | xxxxxx | $142.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 60.09 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847360 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2362.53 | $2362.53 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2535.00 | xxxxxx | $211.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/31/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 104.23 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 847378 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1273.06 | $1273.06 | 7.624% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1259.28 | xxxxxx | $104.94 | xxxxxx | xxxxxx | $75.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/30/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $534260.49 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 292.63 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847383 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3994.26 | $3994.26 | 6.499% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3431.04 | xxxxxx | $285.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/16/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.04 |  |  |  |  |  |  |  | xxxxxx | $214740.10 | 27.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.34 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 847396 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $0.00 | $3193.06 | xxxxxx | 7.158% | $6508.12 | $6508.12 | 7.125% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $17338.63 | 1 | xxxxxx | $6129.60 | xxxxxx | $510.80 |  |  |  |  |  | 42.221% | 42.221% | 42.221% | 08/18/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 58.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  | xxxxxx | 6.290% | $0.00 | 1.6 |  |  |  | N/A | No | 7.125% | 0 | 1 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $185.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 10.32 |  | No | No | xxxxxx | $0.00 | $12664.33 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 847458 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $810.75 | $810.75 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1548.96 | xxxxxx | $129.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/20/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.84 | 0.54 |  |  |  |  |  |  |  | xxxxxx | $3147.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 98.63 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 847559 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1651.89 | $1651.89 | 7.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $2393.64 | xxxxxx | $199.47 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/15/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $326477.69 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 110.17 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847587 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1308.89 | $1308.89 | 7.750% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1482.60 | xxxxxx | $123.55 | xxxxxx |  | $164.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $87503.16 | 33.520% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.24 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847696 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1035.38 | $1035.38 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1769.16 | xxxxxx | $147.43 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/24/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $65739.63 | 31.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 87 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 847697 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4300.00 | $5939.46 | xxxxxx | 8.748% | $1653.16 | $1653.16 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19020.43 | 1 | xxxxxx | $2781.96 | xxxxxx | $231.83 | xxxxxx | xxxxxx | $45.00 |  | Monthly | 29.324% | 29.324% | 29.324% | 09/04/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 51.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2012<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2007<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2007 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4300.00 | xxxxxx | 6.570% | $0.00 | 2.7 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $25724.90 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.625% | xxxxxx | xxxxxx | $1868.81 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.43 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 847719 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3100.71 | $3100.71 | 6.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $3557.04 | xxxxxx | $296.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/30/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.71 | 0.58 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 36.99 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847817 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2823.11 | $2823.11 | 6.810% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $7743.24 | xxxxxx | $645.27 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/10/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.810% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.82 | 0.55 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 25.52 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 847919 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8815.63 | $8815.63 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2318.04 | xxxxxx | $193.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/05/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.21 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848041 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1526.87 | $1526.87 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1122.96 | xxxxxx | $93.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/09/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 118.61 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848069 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2745.43 | $2745.43 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1617.00 | xxxxxx | $134.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/06/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 33.42 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848070 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $982.06 | $982.06 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1128.96 | xxxxxx | $94.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/19/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 212.18 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848071 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $725.37 | $725.37 | 7.750% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1216.92 | xxxxxx | $101.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/10/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.72 |  |  |  |  |  |  |  | xxxxxx | $196819.32 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Trust | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | No | 195.73 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848072 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1041.51 | $1041.51 | 7.490% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1323.00 | xxxxxx | $110.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.62 |  |  |  |  |  |  |  | xxxxxx | $121564.38 | 57.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 31.25 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848074 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1211.04 | $1211.04 | 8.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1382.04 | xxxxxx | $115.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 69.7 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848076 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1310.94 | $1310.94 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1723.92 | xxxxxx | $143.66 | xxxxxx | xxxxxx | $650.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/08/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  | 240 | xxxxxx | $90480.26 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 68.44 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848077 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1081.08 | $1081.08 | 8.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1328.76 | xxxxxx | $110.73 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.21 |  |  |  |  |  |  |  | xxxxxx | $139038.41 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 108.06 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848080 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1479.14 | $1479.14 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $645.96 | xxxxxx | $53.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/12/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $469.20 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 122.7 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848081 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2722.60 | $2722.60 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $788.04 | xxxxxx | $65.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/28/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 13.96 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848082 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2790.21 | $2790.21 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $788.04 | xxxxxx | $65.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/11/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 16.86 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848083 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2747.19 | $2747.19 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $774.96 | xxxxxx | $64.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/11/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 15.03 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848085 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1042.92 | $1042.92 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $786.96 | xxxxxx | $65.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 3 | 157.08 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 105.52 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848087 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1678.45 | $1678.45 | 6.875% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $915.00 | xxxxxx | $76.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/23/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | xxxxxx | $58241.75 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 136.02 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848089 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1755.21 | $1755.21 | 7.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1078.32 | xxxxxx | $89.86 | xxxxxx | xxxxxx | $1800.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/24/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 142.37 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848090 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1701.48 | $1701.48 | 7.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1065.72 | xxxxxx | $88.81 | xxxxxx | xxxxxx | $1800.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/24/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 186.53 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848091 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1737.30 | $1737.30 | 7.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1069.92 | xxxxxx | $89.16 | xxxxxx | xxxxxx | $1800.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/24/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 2 | 130.32 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 185.54 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848092 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1567.99 | $1567.99 | 7.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1068.84 | xxxxxx | $89.07 | xxxxxx | xxxxxx | $1800.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/24/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 190.9 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848094 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1679.99 | $1679.99 | 7.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1068.84 | xxxxxx | $89.07 | xxxxxx | xxxxxx | $150.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/21/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 2 | 131.88 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.13 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 355.48 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848096 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1679.99 | $1679.99 | 7.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1054.20 | xxxxxx | $87.85 | xxxxxx | xxxxxx | $150.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/21/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 2 | 131.88 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 355.69 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No | 1 | Property Focused |
| xxxxxx | 848097 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1945.57 | $1945.57 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2440.08 | xxxxxx | $203.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2025 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | xxxxxx | $46332.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 6.41 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848098 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3543.76 | $3543.76 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2331.00 | xxxxxx | $194.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/29/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1 | 84.48 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 16.07 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848099 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2627.44 | $2627.44 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $3294.96 | xxxxxx | $274.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/24/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1 | 117.36 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 38.64 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848100 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1772.51 | $1772.51 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2824.68 | xxxxxx | $235.39 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/31/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 109.82 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848117 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5783.20 | $5783.20 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3495.96 | xxxxxx | $291.33 | xxxxxx |  | $400.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/19/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 13 |  | xxxxxx | 1 |  | 58.44 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.29 |  |  |  |  |  |  | 240 | xxxxxx | $351914.01 | 29.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.1 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848128 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1087.60 | $1087.60 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1506.24 | xxxxxx | $125.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/15/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.64 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.55 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 848186 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4514.60 | $5294.20 | xxxxxx | 6.853% | $1408.68 | $1408.68 | 6.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $14578.28 | 1 | xxxxxx | $1504.56 | xxxxxx | $125.38 |  |  |  |  |  | 21.975% | 21.975% | 21.975% | 09/11/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 92.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4514.60 | xxxxxx | 6.540% | $0.00 | 1 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $23512.18 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 11.9 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 848189 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1848.50 | $1848.50 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $840.00 | xxxxxx | $70.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/11/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 129.39 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848230 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1713.63 | $1713.63 | 7.250% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $509.04 | xxxxxx | $42.42 | xxxxxx |  | $276.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $322699.59 | 96.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.89 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848259 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2120.92 | $2120.92 | 6.750% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1054.44 | xxxxxx | $87.87 | xxxxxx |  | $140.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $531251.14 | 97.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.55 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848269 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17105.00 | $20163.81 | xxxxxx | 8.903% | $5850.92 | $5850.92 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19125.25 | 1 | xxxxxx | $2658.00 | xxxxxx | $221.50 |  |  |  |  |  | 37.199% | 37.199% | 37.199% | 08/09/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17105.00 | xxxxxx | 6.540% | $5000.00 | 2.6 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $82721.09 | 9.340% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.28 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 848277 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2844.31 | $2844.31 | 6.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1611.72 | xxxxxx | $134.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/11/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.7 |  |  |  | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 118.11 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848302 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1607.68 | $1607.68 | 8.000% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $2130.96 | xxxxxx | $177.58 | xxxxxx |  | $800.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $176454.55 | 56.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.77 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848327 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2175.82 | $2175.82 | 6.920% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $14160.00 | xxxxxx | $1180.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/10/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.920% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.86 | 0.54 |  |  |  |  |  |  |  | xxxxxx | $57807.45 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 9.16 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848403 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1087.60 | $1087.60 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2034.24 | xxxxxx | $169.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/08/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.77 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 100.46 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848493 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  | xxxxxx |  | $1933.75 | $1933.75 | 7.000% | No | No | Not Employed |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $714.24 | xxxxxx | $59.52 | xxxxxx | xxxxxx | $1720.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | xxxxxx | $167965.00 | 36.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.45 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Property Focused |
| xxxxxx | 848499 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2054.76 | $2054.76 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $964.92 | xxxxxx | $80.41 | xxxxxx | xxxxxx | $557.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/27/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.65 | 1.54 |  |  |  |  |  |  |  | xxxxxx | $187992.88 | 44.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.1 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848525 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4294.96 | $4294.96 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $5957.64 | xxxxxx | $496.47 | xxxxxx |  | $490.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/16/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $442660.70 | 52.070% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 35.84 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848531 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1150.83 | $1150.83 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $815.04 | xxxxxx | $67.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/05/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $4368.22 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 109.86 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848588 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2315.58 | $2315.58 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2482.68 | xxxxxx | $206.89 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/14/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.06 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 102.12 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848599 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $18460.00 | $23854.12 | xxxxxx | 7.358% | $4151.49 | $4151.49 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8418.20 | 1 | xxxxxx | $3267.96 | xxxxxx | $272.33 |  |  |  |  |  | 45.912% | 45.912% | 45.912% | 09/16/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18460.00 | xxxxxx | 6.320% | $20000.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $23650.00 | 3.030% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.31 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 848616 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4954.31 | $4954.31 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2565.96 | xxxxxx | $213.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $17094.44 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.9 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848651 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3772.82 | $3772.82 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $906.00 | xxxxxx | $75.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/25/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.68 | 1.45 |  |  |  |  |  |  |  | xxxxxx | $644205.98 | 80.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Foreign Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 96.48 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848653 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8305.21 | $8305.21 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $8357.04 | xxxxxx | $696.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.71 | 1.39 |  |  |  |  |  |  | 240 | xxxxxx | $1057091.94 | 62.180% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.98 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 848685 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1387.28 | $1387.28 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2698.80 | xxxxxx | $224.90 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/15/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $134148.03 | 54.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.19 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 848693 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1382.43 | $1382.43 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2443.32 | xxxxxx | $203.61 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/10/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 60.09 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848826 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7908.33 | $7908.33 | 9.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 6 | xxxxxx | $5666.04 | xxxxxx | $472.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/09/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.87 |  |  |  |  |  |  | 240 | xxxxxx | $263414.36 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 26.57 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848932 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10260.00 | $15803.60 | xxxxxx | 7.161% | $5854.67 | $5854.67 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7924.71 | 1 | xxxxxx | $2178.96 | xxxxxx | $181.58 | xxxxxx | xxxxxx | $130.00 |  | Monthly | 52.592% | 52.592% | 52.592% | 09/18/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; P&L Statement - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10260.00 | xxxxxx | 6.310% | $4000.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 14.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $381445.11 | 34.670% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.28 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 848954 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $17215.00 | $23847.58 | xxxxxx | 7.502% | $5320.97 | $5320.97 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12238.69 | 3 | xxxxxx | $3980.04 | xxxxxx | $331.67 |  |  |  |  |  | 44.100% | 44.100% | 44.100% | 09/09/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2016<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17215.00 | xxxxxx | 6.320% | $26000.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $214715.08 | 22.020% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.43 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 848970 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3088.13 | $3088.13 | 7.310% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2292.48 | xxxxxx | $191.04 | xxxxxx | xxxxxx | $176.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/17/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.310% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | xxxxxx | $6000.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.96 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 848992 | xxxxxx | N/A |  |  | xxxxxx | No | No | $5505.00 | $8852.20 | xxxxxx | 7.065% | $2437.21 | $2437.21 | 6.875% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $5252.60 | 3 | xxxxxx | $2640.96 | xxxxxx | $220.08 |  |  |  |  |  | 44.676% | 44.676% | 44.676% | 01/27/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5505.00 | xxxxxx | 6.880% | $0.00 |  | LP / LPA |  | Accept/Eligible | No | No | 6.875% | 0 | 0 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $210466.39 | 39.710% | No | 25 | 25 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 13.54 |  | No | No | xxxxxx | $0.00 | $1600.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 849022 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2833.01 | $2833.01 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2609.04 | xxxxxx | $217.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.59 | 0.62 |  |  |  |  |  |  |  | xxxxxx | $274834.36 | 47.790% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 30.13 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849041 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2175.63 | $2175.63 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 4 | xxxxxx | $3397.92 | xxxxxx | $283.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/19/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.65 | 0.6 |  |  |  |  |  |  |  | xxxxxx | $209878.60 | 49.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 41.49 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849044 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $20726.88 | $7514.31 | xxxxxx | 6.763% | $10002.36 | $10002.36 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27250.46 | 1 | xxxxxx | $6483.96 | xxxxxx | $540.33 | xxxxxx | xxxxxx | $2547.00 |  | Annually | 44.364% | 44.364% | 44.364% | 08/25/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20726.88 | xxxxxx | 6.240% | $14000.00 | 2.4 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $670219.47 | 34.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.36 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 849076 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $1590.00 | $2135.67 | xxxxxx | 7.939% | $2372.79 | $2372.79 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5605.58 | 1 | xxxxxx | $1504.20 | xxxxxx | $125.35 | xxxxxx | xxxxxx | $200.00 |  | Annually | 36.347% | 36.347% | 36.347% | 09/19/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1590.00 | xxxxxx | 6.310% | $0.00 | 3 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $97794.31 | 25.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.5 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 849137 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1409.62 | $1409.62 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1985.04 | xxxxxx | $165.42 | xxxxxx |  | $577.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/18/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 88.48 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849151 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3195.64 | $3195.64 | 6.874% | No | No |  |  |  |  | 0 | 0 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1051.20 | xxxxxx | $87.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/05/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.67 |  |  |  |  |  |  |  | xxxxxx | $33603.38 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | No | 120.58 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |  | Property Focused |
| xxxxxx | 849157 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1292.87 | $1292.87 | 6.249% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 2 | xxxxxx | $1173.96 | xxxxxx | $97.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.6 |  |  |  |  |  |  |  | xxxxxx | $31773.80 | 10.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 90.89 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849170 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6236.83 | $6236.83 | 7.624% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2049.96 | xxxxxx | $170.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.7 | 1.43 |  |  |  |  |  |  |  | xxxxxx | $500531.21 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 68.75 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 849219 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2045.90 | $2045.90 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1869.48 | xxxxxx | $155.79 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 69.25 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 849235 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3602.50 | $5441.45 | xxxxxx | 7.381% | $2745.76 | $2745.76 | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6627.61 | 1 | xxxxxx | $825.96 | xxxxxx | $68.83 | xxxxxx | xxxxxx | $967.00 |  | Monthly | 49.681% | 49.681% | 49.681% | 09/10/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2015<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3602.50 | xxxxxx | 6.310% | $400.00 | 2.7 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $15184.83 | 2.640% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 19.11 |  | Yes | No | xxxxxx | $6513.39 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 849246 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1412.10 | $1412.10 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3559.44 | xxxxxx | $296.62 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2025 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $349777.75 | 66.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.24 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849260 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1783.00 | $1783.00 | 7.375% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1747.20 | xxxxxx | $145.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/24/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.91 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 89.61 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849280 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2249.53 | $2249.53 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1236.00 | xxxxxx | $103.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 46.6 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 849294 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1024.57 | $1024.57 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $845.04 | xxxxxx | $70.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/27/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $2431.35 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 95.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849388 | xxxxxx | N/A |  |  | xxxxxx | No | No | $11152.19 | $18783.52 |  | 7.228% | $3079.35 | $3079.35 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22475.45 | 1 | xxxxxx | $921.72 | xxxxxx | $76.81 | xxxxxx |  | $547.00 |  | Monthly | 24.319% | 24.319% | 24.319% | 10/01/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11152.19 |  | 6.160% | $200.00 |  |  |  |  | No | No | 6.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $271878.19 | 43.500% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 849560 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3807.27 | $3807.27 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1040.16 | xxxxxx | $86.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/08/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 8 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 849648 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $831.63 | $831.63 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $805.80 | xxxxxx | $67.15 | xxxxxx |  | $399.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/25/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 94.56 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849677 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $831.63 | $831.63 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1611.60 | xxxxxx | $134.30 | xxxxxx |  | $399.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/25/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 91.33 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 849699 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $9167.87 | $9167.87 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $6953.04 | xxxxxx | $579.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/25/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.2 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  |  |  |  |  | xxxxxx | $89344.30 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.14 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 849725 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2032.27 | $2032.27 | 7.375% | No | No |  |  |  |  |  |  | Permanent Resident Alien | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1365.00 | xxxxxx | $113.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/30/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  | 240 | xxxxxx | $252437.44 | 57.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 46.28 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 849790 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3007.81 | $3007.81 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1767.96 | xxxxxx | $147.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/21/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 360 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 79.46 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 849847 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2325.00 | $10799.12 | xxxxxx | 7.651% | $9059.76 | $9059.76 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $42082.19 | 1 | xxxxxx | $2600.04 | xxxxxx | $216.67 |  |  |  |  |  | 32.892% | 32.892% | 32.892% | 10/06/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2325.00 | xxxxxx | 6.160% | $0.00 | 2.4 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $465429.72 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.48 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 849924 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2397.79 | $2397.79 | 6.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1779.12 | xxxxxx | $148.26 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/24/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.28 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | Property Focused |
| xxxxxx | 849932 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17438.25 | $19275.00 | xxxxxx | 8.185% | $3438.78 | $3438.78 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7793.43 | 1 | xxxxxx | $375.96 | xxxxxx | $31.33 |  |  |  |  |  | 38.534% | 38.534% | 38.534% | 09/08/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17438.25 | xxxxxx | 6.310% | $18000.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $55577.35 | 9.260% | Yes |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.05 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 849982 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5470.82 | $6354.60 | xxxxxx | 8.575% | $2609.79 | $2609.79 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9511.23 | 1 | xxxxxx | $1030.92 | xxxxxx | $85.91 | xxxxxx | xxxxxx | $120.00 |  | Annually | 37.239% | 37.239% | 37.239% | 10/28/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5470.82 | xxxxxx | 6.160% | $12931.69 | 1.7 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $33042.86 | 8.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.45 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850023 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1758.98 | $1758.98 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1137.96 | xxxxxx | $94.83 | xxxxxx |  | $44.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/25/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.98 | 0.5 |  |  |  |  |  |  | 240 | xxxxxx | $223782.16 | 56.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.52 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 850045 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7169.55 | $7169.55 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2066.04 | xxxxxx | $172.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 52.14 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850179 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4846.86 | $4846.86 | 7.250% | No | No |  |  |  |  | 0 |  |  | Not Provided | xxxxxx |  |  |  |  |  |  | 4 | xxxxxx | $4392.96 | xxxxxx | $366.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.85 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 25.98 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850182 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6533.43 | $6533.43 | 8.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $6028.08 | xxxxxx | $502.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $1371285.86 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 117.85 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850193 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2908.73 | $2908.73 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1971.96 | xxxxxx | $164.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/15/2025 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $121651.47 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 25.76 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850240 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1145.03 | $1145.03 | 6.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1501.56 | xxxxxx | $125.13 | xxxxxx |  | $250.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/13/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 83.87 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850257 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3063.60 | $4422.20 | xxxxxx | 7.380% | $2251.18 | $2251.18 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $49727.18 | 1 | xxxxxx | $2375.76 | xxxxxx | $197.98 | xxxxxx | xxxxxx | $750.00 |  | Annually | 8.099% | 8.099% | 8.099% | 08/04/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2005 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3063.60 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $232677.92 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 180.54 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850259 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1221.31 | $1221.31 | 7.200% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1490.40 | xxxxxx | $124.20 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/11/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 1 | 251.16 |  |  |  |  |  |  |  | xxxxxx | 11 | 77.76 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.200% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $19953.37 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 11.82 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850286 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10570.00 | $11716.67 | xxxxxx | 7.758% | $6210.29 | $6210.29 | 7.624% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8193.16 | 1 | xxxxxx | $2643.24 | xxxxxx | $220.27 | xxxxxx | xxxxxx | $1500.00 |  | Annually | 48.376% | 48.376% | 48.376% | 08/20/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 57.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10570.00 | xxxxxx | 6.540% | $0.00 | 1 |  |  |  | N/A | No | 7.624% | 1 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $114359.79 | 11.720% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.95 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850289 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $720.28 | $720.28 | 6.624% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1280.04 | xxxxxx | $106.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 28.98 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850290 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14377.00 | $13654.98 | xxxxxx | 7.733% | $3906.18 | $3906.18 | 7.490% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $11744.06 | 1 | xxxxxx | $2630.04 | xxxxxx | $219.17 |  |  |  |  |  | 30.960% | 30.960% | 30.960% | 07/26/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14377.00 | xxxxxx | 6.610% | $10000.00 | 1 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $216202.05 | 30.930% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 12.77 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850293 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13092.00 | $13633.48 | xxxxxx | 7.426% | $2121.50 | $2121.50 | 6.990% | No | No | Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | $4517.16 | 1 | xxxxxx | $1595.04 | xxxxxx | $132.92 |  |  |  |  |  | 45.115% | 45.115% | 45.115% |  | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 33.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13092.00 | xxxxxx | 6.320% | $2500.00 | 1.1 |  |  |  | N/A | No | 6.990% | 2 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $120942.29 | 30.310% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Passport | Passport |  |  |  | 8.67 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850295 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2837.39 | $2837.39 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $927.00 | xxxxxx | $77.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/13/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $85619.53 | 15.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.35 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 850306 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1313.73 | $1313.73 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1082.04 | xxxxxx | $90.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $66518.88 | 26.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.72 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 850308 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1594.92 | $1594.92 | 6.374% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1099.20 | xxxxxx | $91.60 | xxxxxx | xxxxxx | $63.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/27/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $134788.35 | 39.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.94 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850314 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $935.71 | $935.71 | 6.374% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1143.00 | xxxxxx | $95.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/08/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.88 | 0.52 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 121.62 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 850322 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1121.57 | $1121.57 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx | xxxxxx | $761.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/28/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $342588.59 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 153.21 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850324 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $724.12 | $724.12 | 6.624% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $1662.48 | xxxxxx | $138.54 | xxxxxx | xxxxxx | $325.00 |  | Annually | 0.000% | 0.000% | 0.000% |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.89 | 0.52 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LP | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 110.67 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | Property Focused |
| xxxxxx | 850327 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13225.00 | $16267.50 | xxxxxx | 6.806% | $3207.57 | $3207.57 | 6.490% | No | No | Self-Employed | Non-Employment Income | Employed |  | 4.08 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | $6428.47 | 1 | xxxxxx | $1340.52 | xxxxxx | $111.71 | xxxxxx | xxxxxx | $377.00 |  | Monthly | 53.250% | 53.250% | 53.250% | 09/05/2025 | 790 | 738 | 761 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13225.00 | xxxxxx | 6.320% | $3000.00 | 1 |  |  |  | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $194736.10 | 30.660% | No |  |  | 32 |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 10.56 |  | Yes | No | xxxxxx | $598.03 | $4704.77 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850328 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1010.48 | $1010.48 | 7.124% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $786.00 | xxxxxx | $65.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/05/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.9 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 850340 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1048.82 | $1048.82 | 7.500% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1927.92 | xxxxxx | $160.66 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | xxxxxx | $50000.00 | 21.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.47 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850421 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1091.48 | $1091.48 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1455.96 | xxxxxx | $121.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $122076.75 | 61.030% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.5 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 8 | Property Focused |
| xxxxxx | 850438 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2234.94 | $2234.94 | 7.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $336.00 | xxxxxx | $28.00 | xxxxxx |  | $263.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/19/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.71 | 1.39 |  |  |  |  |  |  |  | xxxxxx | $117882.95 | 28.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.75 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850480 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2451.90 | $2451.90 | 7.375% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $2787.00 | xxxxxx | $232.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/10/2025 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  |  | xxxxxx | $295205.39 | 53.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 26.89 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850500 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1432.57 | $1432.57 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1308.00 | xxxxxx | $109.00 | xxxxxx |  | $1128.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/04/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $84050.28 | 30.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 118.6 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850523 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1115.34 | $1115.34 | 6.580% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1083.96 | xxxxxx | $90.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.580% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 45.9 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850548 | xxxxxx | N/A |  |  | xxxxxx | No | No | $10106.21 | $9634.84 | xxxxxx | 7.568% | $1472.46 | $1926.28 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $188406.75 | 1 | xxxxxx | $977.04 | xxxxxx | $81.42 |  |  |  |  |  | 24.889% | 24.708% | 24.889% | 07/29/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - Year Not Available |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10106.21 | xxxxxx | 6.320% | $0.00 | 1.1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $987405.68 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 546.54 |  | No | No | xxxxxx | $250838.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 23 | Mortgagor Focused |
| xxxxxx | 850549 | xxxxxx | N/A |  |  | xxxxxx | No | No | $8424.57 | $8051.23 | xxxxxx | 7.588% | $1168.91 | $1529.17 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $188020.59 | 1 | xxxxxx | $1512.96 | xxxxxx | $126.08 |  |  |  |  |  | 25.043% | 24.900% | 25.043% | 07/29/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8424.57 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $55793.11 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 60.22 |  | No | No | xxxxxx | $250838.50 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 23 | Mortgagor Focused |
| xxxxxx | 850561 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4235.63 | $7342.45 | xxxxxx | 7.167% | $1650.53 | $1650.53 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $24610.87 | 1 | xxxxxx | $1893.24 | xxxxxx | $157.77 |  |  |  |  |  | 14.432% | 14.432% | 14.432% | 09/12/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2008 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4235.63 | xxxxxx | 6.290% | $0.00 | 2.7 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $18157.44 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 126.24 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850575 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2276.76 | $2276.76 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $778.32 | xxxxxx | $64.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 109.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850603 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $28570.40 | $33369.44 | xxxxxx | 7.128% | $7738.62 | $7738.62 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27296.08 | 1 | xxxxxx | $6680.04 | xxxxxx | $556.67 | xxxxxx | xxxxxx | $162.00 |  | Monthly | 48.133% | 48.133% | 48.133% | 09/10/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $28570.40 | xxxxxx | 6.310% | $0.00 | 2.3 |  |  |  | N/A | No | 6.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $491078.77 | 33.350% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.17 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 850653 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1657.62 | $1657.62 | 7.375% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1802.04 | xxxxxx | $150.17 | xxxxxx |  | $260.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.03 |  |  |  |  |  |  |  | xxxxxx | $155000.00 | 41.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.03 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850693 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13279.00 | $16974.28 | xxxxxx | 9.366% | $2896.15 | $2896.15 | 8.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $11539.57 | 1 | xxxxxx | $2042.04 | xxxxxx | $170.17 |  |  |  |  |  | 38.979% | 38.979% | 38.979% | 09/09/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2016<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2014<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2014 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13279.00 | xxxxxx | 6.310% | $13000.00 | 1 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $246950.53 | 54.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 49.1 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850755 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10660.04 | $11668.43 | xxxxxx | 8.644% | $2434.10 | $2434.10 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19758.34 | 1 | xxxxxx | $3130.80 | xxxxxx | $260.90 |  |  |  |  |  | 24.349% | 24.349% | 24.349% | 09/17/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10660.04 | xxxxxx | 6.310% | $0.00 | 2.1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $166463.13 | 46.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.28 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 850762 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1555.93 | $1555.93 | 6.770% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2085.24 | xxxxxx | $173.77 | xxxxxx | xxxxxx | $160.00 |  | Annually | 0.000% | 0.000% | 0.000% | 10/06/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 15 | 152.04 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.770% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $21465.94 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 27.63 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850764 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2074.59 | $2074.59 | 6.900% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $5930.04 | xxxxxx | $494.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/06/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.900% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $53807.36 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 38.74 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850774 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8530.42 | $8530.42 | 7.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1614.96 | xxxxxx | $134.58 | xxxxxx |  | $3123.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/12/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $931157.72 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 66.01 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850775 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2930.68 | $2930.68 | 7.125% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $795.00 | xxxxxx | $66.25 | xxxxxx |  | $1417.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/12/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $931157.72 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 173.52 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850791 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3441.81 | $3441.81 | 8.750% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | 6 | xxxxxx | $7995.96 | xxxxxx | $666.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.69 |  |  |  |  |  |  |  | xxxxxx | $70564.82 | 11.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 39.35 |  |  | No |  | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850850 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1929.57 | $1929.57 | 7.375% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $2440.80 | xxxxxx | $203.40 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  |  | xxxxxx | $3850.00 | 1.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 23.63 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850889 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1825.39 | $1825.39 | 6.800% | No | No |  |  |  |  | 0 | 0 |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 3 | xxxxxx | $2073.96 | xxxxxx | $172.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 3-Stated/Partially Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.800% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | xxxxxx | $54584.30 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | No | 31.9 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 850925 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11578.56 | $3866.38 | xxxxxx | 7.734% | $2408.74 | $2408.74 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $43560.72 | 1 | xxxxxx | $1031.04 | xxxxxx | $85.92 | xxxxxx | xxxxxx | $1930.00 |  | Annually | 9.275% | 9.275% | 9.275% | 10/06/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2018<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2018<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2018<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - Year Not Available | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11578.56 | xxxxxx | 6.290% | $10000.00 | 2.5 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 4 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $21270.00 | 4.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.41 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 850988 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1560.52 | $1560.52 | 7.290% | No | No |  |  |  |  | 0 | 0 |  | xxxxxx | xxxxxx | Permanent Resident Alien |  |  |  |  |  | 1 | xxxxxx | $2661.12 | xxxxxx | $221.76 | xxxxxx | xxxxxx | $1450.00 |  | Annually | 0.000% | 0.000% | 0.000% | 10/08/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.290% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.08 |  |  |  |  |  |  | 240 | xxxxxx | $46799.12 | 13.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Member | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 33.48 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851009 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4450.00 | $4810.83 | xxxxxx | 9.921% | $1310.54 | $1310.54 | 9.500% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $3423.58 | 1 | xxxxxx | $2317.20 | xxxxxx | $193.10 |  |  |  |  |  | 44.585% | 44.585% | 44.585% | 10/01/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4450.00 | xxxxxx | 5.820% | $0.00 | 1 |  |  |  | No | No | 9.500% | 2 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.000% | xxxxxx | xxxxxx | $1087.74 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 28.93 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851036 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1486.22 | $1486.22 | 7.624% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $513.00 | xxxxxx | $42.75 | xxxxxx | xxxxxx | $755.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/30/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $141113.87 | 50.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.49 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 2 | Property Focused |
| xxxxxx | 851037 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1812.85 | $1812.85 | 7.374% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2589.00 | xxxxxx | $215.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/18/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.9 |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.15 |  |  |  |  |  |  |  | xxxxxx | $23218.72 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 6.93 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851038 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4117.39 | $4117.39 | 6.990% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $6234.84 | xxxxxx | $519.57 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.12 |  |  |  |  |  |  |  | xxxxxx | $653482.88 | 73.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 56.9 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No | 1 | Property Focused |
| xxxxxx | 851040 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1121.57 | $1121.57 | 6.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $666.00 | xxxxxx | $55.50 | xxxxxx | xxxxxx | $119.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/16/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $404366.66 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 271.28 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 851041 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $778.24 | $778.24 | 6.749% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $431.04 | xxxxxx | $35.92 | xxxxxx | xxxxxx | $587.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/13/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $45606.05 | 29.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.11 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851043 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1253.37 | $1253.37 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $974.88 | xxxxxx | $81.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/02/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.16 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 851045 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1132.80 | $1132.80 | 6.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1566.96 | xxxxxx | $130.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/08/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $146881.27 | 63.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 81.51 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851046 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7462.75 | $2319.42 | xxxxxx | 8.812% | $1621.25 | $1621.25 | 8.749% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4450.76 | 1 | xxxxxx | $1145.04 | xxxxxx | $95.42 | xxxxxx | xxxxxx | $250.00 |  | Monthly | 38.734% | 38.733% | 38.733% | 08/19/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7462.75 | xxxxxx | 6.320% | $5000.00 | 1.1 |  |  |  | N/A | No | 8.749% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $14099.32 | 6.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.66 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851047 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $20452.00 | $27812.93 | xxxxxx | 6.540% | $7758.88 | $7758.88 | 6.374% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12421.98 | 1 | xxxxxx | $1650.96 | xxxxxx | $137.58 | xxxxxx | xxxxxx | $1500.00 |  | Annually | 47.291% | 47.291% | 47.291% | 08/15/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $20452.00 | xxxxxx | 6.220% | $0.00 | 2.3 |  |  |  | No | No | 6.374% | 1 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $497241.67 | 29.880% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.97 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851050 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1122.85 | $1122.85 | 6.374% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2985.96 | xxxxxx | $248.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2025 | 824 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $533691.61 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 306.84 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851051 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2594.12 | $2594.12 | 6.749% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 4 | xxxxxx | $3849.00 | xxxxxx | $320.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/11/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $785685.35 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 191.7 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851052 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11577.50 | $14001.03 | xxxxxx | 6.506% | $2801.22 | $2801.22 | 6.249% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6025.81 | 1 | xxxxxx | $1778.52 | xxxxxx | $148.21 |  |  |  |  |  | 38.343% | 38.343% | 38.343% | 09/06/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11577.50 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | xxxxxx | $424877.42 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 232.04 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851054 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $794.90 | $794.90 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $901.68 | xxxxxx | $75.14 | xxxxxx | xxxxxx | $4940.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/13/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $49855.90 | 33.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.03 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851055 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3723.06 | $3723.06 | 7.624% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $2952.96 | xxxxxx | $246.08 | xxxxxx | xxxxxx | $1300.00 |  | Annually | 0.000% | 0.000% | 0.000% |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 131.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | Property Focused |
| xxxxxx | 851056 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1893.36 | $1893.36 | 6.624% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2241.96 | xxxxxx | $186.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.04 |  |  |  |  |  |  | 240 | xxxxxx | $4900.00 | 0.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 51.92 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Property Focused |
| xxxxxx | 851057 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2841.35 | $2841.35 | 6.490% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1575.96 | xxxxxx | $131.33 | xxxxxx | xxxxxx | $466.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/08/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.01 |  |  |  |  |  |  |  | xxxxxx | $410318.71 | 54.700% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 23.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851058 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $850.64 | $850.64 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $941.04 | xxxxxx | $78.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 90.25 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851108 | xxxxxx | N/A |  |  | xxxxxx | No | No | $12797.50 | $9233.44 | xxxxxx | 8.864% | $1830.01 | $1830.01 | 8.500% | No | No | Not Employed | Employed | Employed |  | 6.52 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $23264.55 | 1 | xxxxxx | $2362.44 | xxxxxx | $196.87 | xxxxxx |  | $3920.00 |  | Annually | 43.907% | 43.907% | 43.907% | 10/05/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12797.50 | xxxxxx | 6.290% | $16800.00 | 1.3 |  |  |  | N/A | No | 8.500% | 0 | 1 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $941715.86 | 100.000% | No |  | 14 | 33 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 354.58 |  | No | No | xxxxxx | $0.00 | $41475.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 851306 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11220.00 | $12426.98 | xxxxxx | 7.092% | $3866.03 | $3866.03 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $19433.64 | 2 | xxxxxx | $2151.00 | xxxxxx | $179.25 |  |  |  |  |  | 24.291% | 24.291% | 24.291% | 09/29/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11220.00 | xxxxxx | 6.310% | $0.00 |  |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $9917.11 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 1.14 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851406 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1516.42 | $1516.42 | 7.520% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1442.28 | xxxxxx | $120.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/13/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.520% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $50855.68 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 48.44 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851445 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1331.19 | $1331.19 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1623.12 | xxxxxx | $135.26 | xxxxxx |  | $375.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/02/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 89.28 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851526 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1453.46 | $1453.46 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2567.04 | xxxxxx | $213.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/27/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.31 | 0.3 |  |  |  |  |  |  |  | xxxxxx | $83253.69 | 28.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.46 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 4 | Property Focused |
| xxxxxx | 851534 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5999.00 | $10545.92 | xxxxxx | 7.572% | $3108.04 | $3108.04 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | xxxxxx | xxxxxx |  |  | $5879.18 | 1 | xxxxxx | $1233.96 | xxxxxx | $102.83 | xxxxxx | xxxxxx | $37.00 |  | Monthly | 39.006% | 39.006% | 39.006% | 09/17/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5999.00 | xxxxxx | 6.240% | $16000.00 | 3.3 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $7500.00 | 1.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  |  | 12.47 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851578 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2083.75 | $2083.75 | 7.990% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1970.04 | xxxxxx | $164.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 24.39 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851579 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1990.28 | $1990.28 | 7.990% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1164.00 | xxxxxx | $97.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 10.79 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851580 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3599.04 | $3599.04 | 6.490% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $635.04 | xxxxxx | $52.92 | xxxxxx | xxxxxx | $1233.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/11/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | xxxxxx | $10754.97 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.35 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 5 | Property Focused |
| xxxxxx | 851581 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3478.75 | $3478.75 | 7.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3489.96 | xxxxxx | $290.83 | xxxxxx | xxxxxx | $55.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/31/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.6 | 1.68 |  |  |  |  |  |  |  | xxxxxx | $88762.92 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 21.56 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851582 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1455.55 | $1455.55 | 6.990% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $868.44 | xxxxxx | $72.37 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.72 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 127.29 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | Property Focused |
| xxxxxx | 851583 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1283.70 | $1283.70 | 6.624% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1812.12 | xxxxxx | $151.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/07/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 40.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851584 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1620.70 | $1620.70 | 6.249% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $1362.00 | xxxxxx | $113.50 | xxxxxx | xxxxxx | $140.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/29/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 105.91 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 1 | Property Focused |
| xxxxxx | 851585 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1397.06 | $1397.06 | 7.490% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1034.64 | xxxxxx | $86.22 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/03/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $75780.91 | 30.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 5.01 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851586 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3697.03 | $3697.03 | 7.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $5822.76 | xxxxxx | $485.23 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2025 | 643 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.27 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851587 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $22795.00 | $27155.23 | xxxxxx | 7.857% | $7431.12 | $7431.12 | 7.624% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20586.40 | 1 | xxxxxx | $7750.92 | xxxxxx | $645.91 | xxxxxx | xxxxxx | $3300.00 |  | Annually | 48.701% | 48.701% | 48.701% | 08/28/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $22795.00 | xxxxxx | 6.310% | $0.00 | 3.7 |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 13.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.73 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851588 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1839.07 | $1839.07 | 7.124% | No | No |  |  |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $3396.00 | xxxxxx | $283.00 | xxxxxx | xxxxxx | $650.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/12/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.74 | 1.35 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 45.68 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 851589 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1795.79 | $1795.79 | 6.749% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2877.96 | xxxxxx | $239.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/17/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.86 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.99 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851590 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3963.26 | $3963.26 | 7.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $4328.28 | xxxxxx | $360.69 | xxxxxx | xxxxxx | $592.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/03/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | Yes | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.85 | 0.53 |  |  |  |  |  |  |  | xxxxxx | $11048.17 | 1.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.27 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851591 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4078.13 | $4078.13 | 7.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $8255.04 | xxxxxx | $687.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $450691.83 | 60.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.57 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 7 | Property Focused |
| xxxxxx | 851592 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8393.13 | $9675.07 | xxxxxx | 7.391% | $1525.33 | $1525.33 | 6.990% | No | No | Self-Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $4055.30 | 1 | xxxxxx | $2234.64 | xxxxxx | $186.22 | xxxxxx | xxxxxx | $470.00 |  | Annually | 38.752% | 38.752% | 38.752% |  | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 53.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8393.13 | xxxxxx | 6.310% | $0.00 | 1.2 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $65653.62 | 25.740% | No |  | 5 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 10.88 |  |  | No | xxxxxx | $0.00 | $3120.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851595 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $33570.63 | $42918.34 | xxxxxx | 7.709% | $8359.80 | $8359.80 | 7.374% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15651.72 | 1 | xxxxxx | $3498.00 | xxxxxx | $291.50 |  |  |  |  |  | 51.215% | 51.215% | 51.215% | 08/15/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 63.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $33570.63 | xxxxxx | 6.220% | $5000.00 | 1 |  |  |  | N/A | No | 7.374% | 2 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $179297.55 | 13.330% | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.51 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 851597 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3319.23 | $3319.23 | 7.624% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $838.80 | xxxxxx | $69.90 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/29/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  |  |  |  | xxxxxx | $1434643.22 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 295.56 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 2 | Property Focused |
| xxxxxx | 851640 | xxxxxx | N/A |  |  | xxxxxx | No | No | $13926.40 | $14886.35 | xxxxxx | 7.741% | $1183.95 | $1183.95 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $86370.07 | 1 | xxxxxx | $1011.60 | xxxxxx | $84.30 | xxxxxx |  | $257.00 |  | Monthly | 11.084% | 11.084% | 11.084% | 10/17/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13926.40 | xxxxxx | 6.240% | $14418.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $24000.00 | 9.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1159.5 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 851642 | xxxxxx | N/A |  |  | xxxxxx | No | No | $14634.27 | $15593.35 | xxxxxx | 7.725% | $1262.04 | $1262.04 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $86011.37 | 1 | xxxxxx | $1105.92 | xxxxxx | $92.16 | xxxxxx | xxxxxx | $257.00 |  | Monthly | 11.453% | 11.453% | 11.453% | 10/17/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14634.27 | xxxxxx | 6.240% | $15369.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $24000.00 | 9.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1096.83 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 851697 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1074.61 | $1074.61 | 6.820% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $835.32 | xxxxxx | $69.61 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/16/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.820% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.54 | 0.65 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 35.9 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851709 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1517.30 | $1517.30 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2397.96 | xxxxxx | $199.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/02/2025 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.47 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | Property Focused |
| xxxxxx | 851728 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1813.02 | $1813.02 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1413.96 | xxxxxx | $117.83 | xxxxxx |  | $912.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/07/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  |  |  |  |  |  | xxxxxx | $130280.11 | 37.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.99 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Property Focused |
| xxxxxx | 851757 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2890.16 | $2890.16 | 6.930% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2826.00 | xxxxxx | $235.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/15/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.930% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 35.18 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851768 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1497.26 | $1497.26 | 7.875% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  |  | 1 | xxxxxx | $2060.52 | xxxxxx | $171.71 | xxxxxx |  | $202.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $304439.86 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 100.26 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851789 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3191.90 | $3191.90 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1593.00 | xxxxxx | $132.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $299564.75 | 41.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.87 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851793 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1177.22 | $1177.22 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1620.48 | xxxxxx | $135.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $101343.94 | 42.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 25.34 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Property Focused |
| xxxxxx | 851834 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11150.00 | $7160.47 | xxxxxx | 6.923% | $5097.77 | $5097.77 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9143.09 | 1 | xxxxxx | $2648.04 | xxxxxx | $220.67 |  |  |  |  |  | 44.621% | 44.621% | 44.621% | 09/11/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11150.00 | xxxxxx | 6.320% | $0.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $135078.50 | 13.920% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.67 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851836 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $13573.72 | $20245.51 | xxxxxx | 7.252% | $8033.23 | $8033.23 | 7.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15415.40 | 1 | xxxxxx | $9672.96 | xxxxxx | $806.08 | xxxxxx | xxxxxx | $360.00 |  | Annually | 42.537% | 42.537% | 42.537% | 09/15/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13573.72 | xxxxxx | 6.220% | $26352.55 | 2 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $371082.06 | 24.890% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.69 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851877 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1837.20 | $1837.20 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1758.96 | xxxxxx | $146.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/24/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.05 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 122.99 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 851890 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $680.01 | $680.01 | 6.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1131.96 | xxxxxx | $94.33 | xxxxxx |  | $200.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/29/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.75 | 0.56 |  |  |  |  |  |  |  | xxxxxx | $798917.80 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 355.08 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 851892 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16230.00 | $8255.28 | xxxxxx | 7.416% | $3383.59 | $3383.59 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6833.74 | 1 | xxxxxx | $1977.48 | xxxxxx | $164.79 |  |  |  |  |  | 40.831% | 40.831% | 40.831% | 10/13/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16230.00 | xxxxxx | 6.240% | $16387.15 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $13762.21 | 2.210% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.09 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 851919 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7614.69 | $7614.69 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $6829.68 | xxxxxx | $569.14 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.54 | 1.84 |  |  |  |  |  |  |  | xxxxxx | $2188978.90 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 164.01 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 851985 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3641.89 | $3641.89 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $726.96 | xxxxxx | $60.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $546392.22 | 73.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.83 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 8 | Property Focused |
| xxxxxx | 852147 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6651.22 | $6651.22 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $4027.56 | xxxxxx | $335.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $25824.05 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 56.27 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 852153 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1230.29 | $1230.29 | 6.124% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1898.04 | xxxxxx | $158.17 | xxxxxx | xxxxxx | $571.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/13/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.42 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852154 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2513.81 | $2513.81 | 7.374% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2921.04 | xxxxxx | $243.42 | xxxxxx | xxxxxx | $92.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/04/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.83 | 0.54 |  |  |  |  |  |  |  | xxxxxx | $104609.88 | 22.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.02 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852155 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1532.16 | $1532.16 | 6.749% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2433.96 | xxxxxx | $202.83 | xxxxxx | xxxxxx | $681.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/26/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.02 |  |  |  |  |  |  |  | xxxxxx | $129061.00 | 40.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.13 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 852156 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3449.10 | $3449.10 | 7.124% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $4320.00 | xxxxxx | $360.00 | xxxxxx | xxxxxx | $460.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/27/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.3 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 150.85 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 14 | Property Focused |
| xxxxxx | 852157 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3245.00 | $3245.00 | 6.490% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2799.96 | xxxxxx | $233.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/28/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  | 240 | xxxxxx | $75000.00 | 10.000% | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 132.53 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852160 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4507.72 | $4507.72 | 6.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4667.16 | xxxxxx | $388.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/15/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.32 |  |  |  |  |  |  |  | xxxxxx | $766307.39 | 83.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 89.17 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852162 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4335.29 | $4335.29 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1575.96 | xxxxxx | $131.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/14/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.08 |  |  |  |  |  |  |  | xxxxxx | $293993.99 | 33.400% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.34 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 852165 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1997.48 | $1997.48 | 6.749% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1025.04 | xxxxxx | $85.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | xxxxxx | $123065.63 | 31.960% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.21 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852167 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2236.52 | $2236.52 | 7.124% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1231.68 | xxxxxx | $102.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/04/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $95183.70 | 22.930% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 41.65 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852168 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2889.97 | $2889.97 | 7.124% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1271.04 | xxxxxx | $105.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/27/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.3 |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 29.56 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 852170 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2338.43 | $2338.43 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2736.00 | xxxxxx | $228.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/24/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $140662.53 | 31.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 14.05 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852171 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2232.04 | $2232.04 | 6.490% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1935.96 | xxxxxx | $161.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/25/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.07 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 53.13 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852173 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4501.92 | $4501.92 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3242.04 | xxxxxx | $270.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/03/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $742699.39 | 84.390% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 84.21 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852174 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17606.20 | $0.00 | xxxxxx | 5.978% | $2338.14 | $2338.14 | 5.990% | No | No | Self-Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $4529.69 | 1 | xxxxxx | $1997.88 | xxxxxx | $166.49 |  |  |  |  |  | 36.902% | 36.902% | 36.902% | 08/10/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $17606.20 | xxxxxx | 6.310% | $29280.00 | 1 |  |  |  | N/A | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 | 24 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $97021.41 | 19.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 1.27 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852175 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6060.08 | $6060.08 | 7.374% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3327.60 | xxxxxx | $277.30 | xxxxxx | xxxxxx | $1000.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/30/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.24 |  |  |  |  |  |  |  | xxxxxx | $75894.13 | 6.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.26 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 852176 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1970.59 | $1970.59 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1041.00 | xxxxxx | $86.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/30/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 1 | 153.36 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 112.52 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852177 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7545.00 | $9914.16 | xxxxxx | 6.392% | $1377.49 | $1377.49 | 5.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $1945.87 | 1 | xxxxxx | $2140.80 | xxxxxx | $178.40 |  |  |  |  |  | 54.457% | 54.457% | 54.457% | 09/30/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024 |  | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7545.00 | xxxxxx | 6.290% | $0.00 | 1 |  |  |  | N/A | No | 5.990% | 0 |  | 0 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $553898.48 | 74.850% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.77 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852178 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1454.48 | $1454.48 | 6.249% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2427.96 | xxxxxx | $202.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/03/2025 | 780 | 776 | 780 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $3400.00 | 1.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Member |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 16.36 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852179 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2220.42 | $2220.42 | 6.749% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1253.04 | xxxxxx | $104.42 | xxxxxx | xxxxxx | $250.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/26/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | Yes | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 134.19 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 852180 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1430.40 | $1430.40 | 7.000% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1163.88 | xxxxxx | $96.99 | xxxxxx |  | $200.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/25/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.81 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.94 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852199 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1748.04 | $1748.04 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2222.04 | xxxxxx | $185.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.8 | 0.55 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 103.89 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Property Focused |
| xxxxxx | 852398 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11320.00 | $7217.33 | xxxxxx | 7.082% | $3725.69 | $3725.69 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7941.59 | 1 | xxxxxx | $768.00 | xxxxxx | $64.00 | xxxxxx | xxxxxx | $492.00 |  | Monthly | 42.893% | 42.893% | 42.893% | 09/29/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11320.00 | xxxxxx | 6.290% | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $93172.91 | 13.310% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.38 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852407 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8875.00 | $10765.48 | xxxxxx | 7.673% | $2279.23 | $2279.23 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4407.34 | 1 | xxxxxx | $4278.00 | xxxxxx | $356.50 | xxxxxx |  | $586.00 |  | Annually | 45.588% | 45.588% | 45.588% | 08/06/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8875.00 | xxxxxx | 6.240% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $8276.03 |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.57 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852410 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7450.00 | $8315.55 | xxxxxx | 7.691% | $1849.28 | $1849.28 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4887.37 | 1 | xxxxxx | $943.80 | xxxxxx | $78.65 | xxxxxx | xxxxxx | $671.00 |  | Annually | 39.879% | 39.879% | 39.879% | 10/08/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7450.00 | xxxxxx | 6.240% | $75000.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $43025.12 | 12.050% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.37 | Retail |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852424 | xxxxxx | N/A |  |  | xxxxxx | No | No | $15815.00 | $5804.83 | xxxxxx | 7.944% | $3389.70 | $3389.70 | 7.875% | No | No | Not Employed | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $10042.73 | 1 | xxxxxx | $2729.28 | xxxxxx | $227.44 |  |  |  |  |  | 12.214% | 12.214% | 12.214% | 10/12/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15815.00 | xxxxxx | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5750.00 | 1.040% | No |  | 33 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 22.58 |  | No | No | xxxxxx | $0.00 | $11440.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852448 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1590.00 | $7392.35 |  | 6.605% | $6238.70 | $6690.12 | 6.375% | No | No | Not Employed | Non-Employment Income | Non-Employment Income |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $14183.41 | 1 | xxxxxx | $2209.32 | xxxxxx | $184.11 | xxxxxx | xxxxxx | $507.00 |  | Monthly | 45.734% | 44.007% | 45.734% | 06/20/2025 | 779 | 779 | 792 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Pension]; Award Letter / Continuance Letter - 2020<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Pension]; Award Letter / Continuance Letter - 2020 |  | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1590.00 |  | 6.570% | $0.00 | 1.3 | LP / LPA |  | Caution/Ineligible | No | No | 7.055% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1949629.35 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 164.73 |  | Yes | No | xxxxxx | $26136.89 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 852473 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17844.25 | $15069.45 | xxxxxx | 6.590% | $2516.01 | $2516.01 | 6.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $36540.06 | 1 | xxxxxx | $1328.04 | xxxxxx | $110.67 | xxxxxx | xxxxxx | $230.00 |  | Monthly | 11.026% | 11.026% | 11.026% | 09/03/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 25.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 25.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17844.25 | xxxxxx | 6.160% | $21372.01 | 1 |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10532.31 | 2.060% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.27 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852476 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8437.50 | $4035.03 | xxxxxx | 7.047% | $3719.04 | $3719.04 | 7.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10700.18 | 1 | xxxxxx | $1547.04 | xxxxxx | $128.92 |  |  |  |  |  | 35.150% | 35.150% | 35.150% | 09/29/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8437.50 | xxxxxx | 6.170% | $0.00 | 1.7 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $45503.89 |  | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.13 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852542 | xxxxxx | N/A |  |  | xxxxxx | No | No | $1450.00 | $2719.70 | xxxxxx | 9.304% | $1179.77 | $1179.77 | 9.125% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9834.79 | 1 | xxxxxx | $1137.12 | xxxxxx | $94.76 | xxxxxx | xxxxxx | $158.00 |  | Monthly | 49.857% | 49.857% | 49.857% | 10/13/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1450.00 | xxxxxx | 6.160% | $0.00 | 1 |  |  |  | Yes | No | 9.125% | 1 | 1 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.750% | xxxxxx | xxxxxx | $2237.16 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 26.36 |  | No | No | xxxxxx | $0.00 | $11107.95 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 852601 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2645.00 | $6990.91 | xxxxxx | 7.299% | $13097.78 | $13097.78 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20000.97 | 4 | xxxxxx | $627.00 | xxxxxx | $52.25 |  |  |  |  |  | 44.672% | 44.672% | 44.672% | 08/13/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2645.00 | xxxxxx | 6.220% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $100927.21 | 4.200% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852704 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1800.69 | $1800.69 | 6.624% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1900.20 | xxxxxx | $158.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/27/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  |  | xxxxxx | $119231.48 | 31.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 40.49 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852705 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1043.25 | $1043.25 | 6.249% | No | No |  |  |  |  | 0 |  |  |  | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $477.00 | xxxxxx | $39.75 | xxxxxx | xxxxxx | $1106.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | xxxxxx | $49000.00 | 9.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.75 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | Yes | No | 1 | Property Focused |
| xxxxxx | 852706 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1898.51 | $1898.51 | 7.749% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $3003.00 | xxxxxx | $250.25 | xxxxxx | xxxxxx | $260.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.1 |  |  |  |  |  |  | 240 | xxxxxx | $571135.24 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 145.02 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 | Property Focused |
| xxxxxx | 852707 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $752.11 | $752.11 | 6.624% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $729.36 | xxxxxx | $60.78 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852711 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1665.80 | $1665.80 | 6.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $748.44 | xxxxxx | $62.37 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $1942737.64 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 904.45 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852712 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17142.60 | $8264.39 | xxxxxx | 8.419% | $3780.02 | $3780.02 | 8.249% | No | No | Self-Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | xxxxxx | xxxxxx |  |  | $11864.13 | 1 | xxxxxx | $669.96 | xxxxxx | $55.83 |  |  |  |  |  | 34.442% | 34.442% | 34.442% | 08/29/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $17142.60 | xxxxxx | 6.310% | $13000.00 | 1 |  |  |  | N/A | No | 8.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $247088.14 | 38.010% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  |  |  |  |  |  | Passport | Passport |  |  |  | 20.27 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 2 | Mortgagor Focused |
| xxxxxx | 852713 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $800.35 | $800.35 | 6.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1008.00 | xxxxxx | $84.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.69 |  |  |  |  |  |  |  | xxxxxx | $3000.00 | 1.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 18.42 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852714 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2392.68 | $2392.68 | 6.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $8470.20 | xxxxxx | $705.85 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/17/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.93 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 84.08 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 852715 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8795.00 | $9578.91 | xxxxxx | 7.256% | $2403.31 | $2403.31 | 6.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8061.82 | 1 | xxxxxx | $1813.68 | xxxxxx | $151.14 | xxxxxx | xxxxxx | $650.00 |  | Annually | 43.118% | 43.118% | 43.118% | 09/23/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 45.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8795.00 | xxxxxx | 6.310% | $7000.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $150054.75 | 33.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.66 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 852716 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1439.93 | $1439.93 | 7.124% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1065.96 | xxxxxx | $88.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/03/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.124% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $6847.20 | 2.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.08 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | No | No | No | 2 | Property Focused |
| xxxxxx | 852717 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1766.10 | $1766.10 | 7.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1308.96 | xxxxxx | $109.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/09/2025 | 658 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $8986.67 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LP | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 4.52 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852718 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7595.00 | $4843.26 | xxxxxx | 7.083% | $3256.69 | $3256.69 | 6.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8318.36 | 1 | xxxxxx | $1265.04 | xxxxxx | $105.42 |  |  |  |  |  | 39.012% | 39.012% | 39.012% | 09/25/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7595.00 | xxxxxx | 6.310% | $0.00 | 2.4 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $39040.70 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.94 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852719 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1698.54 | $1698.54 | 7.624% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3411.00 | xxxxxx | $284.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $360195.67 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 148.96 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852720 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $21745.00 | $24660.94 | xxxxxx | 7.032% | $8839.75 | $10542.89 | 8.490% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20509.71 | 1 | xxxxxx | $4165.44 | xxxxxx | $347.12 |  |  |  |  |  | 46.837% | 46.837% | 44.085% | 09/17/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $21745.00 | xxxxxx | 6.650% | $0.00 | 1.6 |  |  |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $341271.78 | 19.500% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.14 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 852721 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1348.28 | $1348.28 | 6.249% | No | No |  |  |  |  | 0 |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $1400.04 | xxxxxx | $116.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/29/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $105716.94 | 36.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 36.8 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852722 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2786.35 | $2786.35 | 6.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1728.00 | xxxxxx | $144.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $316959.42 | 58.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 79.38 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Property Focused |
| xxxxxx | 852723 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $23155.00 | $28718.73 | xxxxxx | 6.885% | $4495.64 | $4495.64 | 6.490% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $73663.70 | 1 | xxxxxx | $2032.08 | xxxxxx | $169.34 |  |  |  |  |  | 15.693% | 15.693% | 15.693% | 10/03/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $23155.00 | xxxxxx | 6.290% | ($3300.00) | 1 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 25.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $58620.89 | 6.580% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.93 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 852724 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1658.92 | $1658.92 | 6.990% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $2113.80 | xxxxxx | $176.15 | xxxxxx | xxxxxx | $690.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $701514.97 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 165.68 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No | 1 | Property Focused |
| xxxxxx | 852725 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $726.36 | $726.36 | 6.749% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1326.00 | xxxxxx | $110.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/20/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.64 |  |  |  |  |  |  |  | xxxxxx | $58194.41 | 41.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.82 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852727 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9930.63 | $3194.35 | xxxxxx | 7.539% | $4269.77 | $4269.77 | 7.490% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $46763.29 | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx | xxxxxx | $890.00 |  | Monthly | 24.157% | 24.157% | 24.157% |  | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9930.63 | xxxxxx | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | xxxxxx | $3782742.94 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 801.27 |  | No | No | xxxxxx | $30828.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 852728 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1057.98 | $1057.98 | 6.374% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1596.96 | xxxxxx | $133.08 | xxxxxx | xxxxxx | $450.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/25/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $2350.00 | 1.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.71 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852729 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4067.55 | $4067.55 | 6.990% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1617.00 | xxxxxx | $134.75 | xxxxxx | xxxxxx | $63.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/09/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.34 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.26 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 852730 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4545.00 | $6644.07 | xxxxxx | 7.037% | $623.80 | $623.80 | 6.374% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $1337.10 | 1 | xxxxxx | $1797.24 | xxxxxx | $149.77 |  |  |  |  |  | 47.539% | 47.539% | 47.539% |  | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 |  | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $4545.00 | xxxxxx | 6.290% | $0.00 | 2.5 |  |  |  | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $374785.13 | 89.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.01 |  |  | No | xxxxxx | $1302.40 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 852731 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1831.10 | $1831.10 | 6.490% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1616.52 | xxxxxx | $134.71 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/24/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.16 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.99 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 852733 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1232.21 | $1232.21 | 6.749% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1413.96 | xxxxxx | $117.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/15/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.24 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852734 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $846.65 | $846.65 | 7.124% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1401.96 | xxxxxx | $116.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.8 |  |  |  | N/A | No | 7.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $65095.94 | 41.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 15.98 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852735 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1011.21 | $1011.21 | 6.249% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2362.32 | xxxxxx | $196.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/17/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 49.04 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852737 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1726.52 | $1726.52 | 7.375% | No | No |  |  |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $3827.76 | xxxxxx | $318.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/13/2025 | 655 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.12 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 72.51 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 852786 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9007.49 | $11003.82 | xxxxxx | 9.168% | $2116.42 | $2116.42 | 8.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $28954.45 | 1 | xxxxxx | $1830.36 | xxxxxx | $152.53 |  |  |  |  |  | 25.444% | 25.444% | 25.444% | 10/14/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9007.49 | xxxxxx | 6.170% | $9000.00 | 1 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $96585.88 | 30.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 14.8 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 852875 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1770.00 | $6521.32 | xxxxxx | 7.682% | $4360.01 | $4360.01 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16311.41 | 1 | xxxxxx | $3147.24 | xxxxxx | $262.27 |  |  |  |  |  | 35.674% | 35.674% | 35.674% | 10/27/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1770.00 | xxxxxx | 6.170% | $12000.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $112467.90 | 14.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.09 | Retail | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 853094 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6130.00 | $3737.96 | xxxxxx | 7.620% | $994.57 | $994.57 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2933.16 | 1 | xxxxxx | $1658.04 | xxxxxx | $138.17 | xxxxxx | xxxxxx | $450.00 |  | Monthly | 48.015% | 48.015% | 48.015% | 10/24/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6130.00 | xxxxxx | 6.260% | $1000.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $64746.32 | 35.970% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.54 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 853329 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $1790.00 | $2164.63 | xxxxxx | 8.617% | $2196.97 | $2196.97 | 7.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5352.31 | 1 | xxxxxx | $3754.44 | xxxxxx | $312.87 |  |  |  |  |  | 46.515% | 46.515% | 46.515% | 01/03/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.980% | $6171.36 | 1 | DU |  | ApproveEligible | No | No | 7.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $25746.52 | 8.070% | No | 24 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.85 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 853438 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $21506.00 | $25594.00 | xxxxxx | 6.794% | $4652.02 | $4652.02 | 6.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $13876.18 | 1 | xxxxxx | $3104.76 | xxxxxx | $258.73 | xxxxxx | xxxxxx | $1700.00 |  | Annually | 44.203% | 44.203% | 44.203% | 08/19/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21506.00 | xxxxxx | 6.240% | $0.00 | 1 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $120240.84 | 13.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 5.56 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 853720 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8470.00 | $10044.10 | xxxxxx | 6.715% | $2623.08 | $2623.08 | 6.500% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  | $8226.00 | 1 | xxxxxx | $802.32 | xxxxxx | $66.86 | xxxxxx | xxxxxx | $39.00 |  | Monthly | 36.723% | 36.723% | 36.723% | 10/23/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8470.00 | xxxxxx | 6.160% | $0.00 | 3.2 |  |  |  | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $36396.09 |  | No | 33 | 33 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card | Employment Authorization |  |  | No | 6.94 |  |  | No | xxxxxx | $0.00 | $5800.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 853725 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2645.00 | $5221.33 | xxxxxx | 7.060% | $3991.81 | $3991.81 | 7.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9136.29 | 1 | xxxxxx | $1035.48 | xxxxxx | $86.29 | xxxxxx | xxxxxx | $399.00 |  | Monthly | 39.091% | 39.091% | 39.091% | 10/17/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2645.00 | xxxxxx | 6.170% | $0.00 | 1.3 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 853726 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15200.00 | $22153.33 | xxxxxx | 7.321% | $6737.19 | $6737.19 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20596.19 | 1 | xxxxxx | $2559.00 | xxxxxx | $213.25 |  |  |  |  |  | 37.045% | 37.045% | 37.045% | 10/28/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15200.00 | xxxxxx | 6.170% | $0.00 | 2 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 22.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $61350.18 | 4.900% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.39 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 853730 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8280.28 | $9914.00 | xxxxxx | 6.480% | $5888.72 | $5888.72 | 6.374% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $35444.78 | 1 | xxxxxx | $1683.96 | xxxxxx | $140.33 |  |  |  |  |  | 18.911% | 18.911% | 18.911% | 09/04/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8280.28 | xxxxxx | 6.310% | $0.00 | 4.5 |  |  |  | N/A | No | 6.374% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.71 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 853731 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2990.84 | $2990.84 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1752.96 | xxxxxx | $146.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/08/2025 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.78 | 0.55 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 129 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 853732 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20007.50 | $11310.88 | xxxxxx | 8.064% | $3407.50 | $3407.50 | 7.874% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7370.60 | 1 | xxxxxx | $3721.44 | xxxxxx | $310.12 |  |  |  |  |  | 48.568% | 48.568% | 48.568% | 09/24/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 46.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $20007.50 | xxxxxx | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 7.874% | 1 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $143085.07 | 24.880% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.39 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 853735 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3794.38 | $3794.38 | 7.749% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $6124.32 | xxxxxx | $510.36 | xxxxxx | xxxxxx | $0.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 0.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 220.34 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 853736 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3794.38 | $3794.38 | 7.749% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  | 1 | xxxxxx | $5487.12 | xxxxxx | $457.26 | xxxxxx | xxxxxx | $0.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 0.700% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 125.29 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 853737 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1406.61 | $1406.61 | 7.624% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $891.96 | xxxxxx | $74.33 | xxxxxx | xxxxxx | $185.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/18/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.12 |  |  |  |  |  |  |  | xxxxxx | $130239.46 | 49.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 31.37 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 853739 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $42857.50 | $44153.35 | xxxxxx | 8.912% | $10645.03 | $10645.03 | 8.624% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $36781.48 | 1 | xxxxxx | $2654.04 | xxxxxx | $221.17 |  |  |  |  |  | 27.378% | 27.378% | 27.378% | 10/07/2025 | 653 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2023 |  | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $42857.50 | xxxxxx | 6.290% | $0.00 | 3.1 |  |  |  | N/A | No | 8.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 25.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $453011.11 | 24.820% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.51 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 853742 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10595.00 | $11476.57 | xxxxxx | 7.691% | $2209.95 | $2209.95 | 7.374% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4515.59 | 1 | xxxxxx | $4575.84 | xxxxxx | $381.32 |  |  |  |  |  | 43.947% | 43.947% | 43.947% | 08/20/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.900% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.90% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.90% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.90% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.90% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 99.90% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10595.00 | xxxxxx | 6.310% | $13825.00 | 1.1 |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $111000.82 | 27.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.96 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 853744 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7660.00 | $6367.38 | xxxxxx | 7.832% | $1804.70 | $1804.70 | 7.624% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11049.20 | 1 | xxxxxx | $1647.00 | xxxxxx | $137.25 |  |  |  |  |  | 36.532% | 36.532% | 36.532% | 09/22/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7660.00 | xxxxxx | 6.160% | ($6500.00) | 1 |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $3099.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.99 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 853745 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1249.17 | $1249.17 | 6.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2277.12 | xxxxxx | $189.76 | xxxxxx | xxxxxx | $2940.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/16/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.77 |  |  |  |  |  |  |  | xxxxxx | $45000.00 | 9.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 853746 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1680.65 | $1680.65 | 6.624% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $2415.60 | xxxxxx | $201.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.3 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $123186.64 | 35.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | LP | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No | 1 | Property Focused |
| xxxxxx | 853747 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2952.61 | $2952.61 | 8.374% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $602.04 | xxxxxx | $50.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/06/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.25 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.07 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 853748 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5625.23 | $5625.23 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2089.92 | xxxxxx | $174.16 | xxxxxx | xxxxxx | $7000.00 |  | Annually | 0.000% | 0.000% | 0.000% | 08/05/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $633023.30 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 120.51 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 853749 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $655.67 | $655.67 | 6.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4498.56 | xxxxxx | $374.88 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.64 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 3.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 28.02 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 853751 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2468.55 | $2468.55 | 7.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $3751.20 | xxxxxx | $312.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/24/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $143701.00 | 31.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.08 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 853752 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1109.22 | $1109.22 | 6.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3368.04 | xxxxxx | $280.67 | xxxxxx | xxxxxx | $444.00 |  | Annually | 0.000% | 0.000% | 0.000% | 09/22/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  |  |  |  |  | xxxxxx | $114663.17 | 49.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.52 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 853753 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7041.57 | $7041.57 | 7.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $6096.00 | xxxxxx | $508.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/06/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.35 | 2.86 |  |  |  |  |  |  |  | xxxxxx | $400000.44 | 30.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.62 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 853754 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9299.00 | $2333.18 | xxxxxx | 6.890% | $2464.55 | $2464.55 | 6.874% | No | No | Not Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $25867.62 | 1 | xxxxxx | $3813.96 | xxxxxx | $317.83 |  |  |  |  |  | 17.814% | 17.814% | 17.814% | 10/01/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9299.00 | xxxxxx | 6.160% | $14070.00 | 1 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1000.00 | 0.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.4 |  |  | No | xxxxxx | $31474.43 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 853994 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $0.00 |  | xxxxxx | 6.866% | $4935.06 | $4935.06 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $15172.16 | 1 | xxxxxx | $981.96 | xxxxxx | $81.83 | xxxxxx | xxxxxx | $215.00 |  | Monthly | 39.098% | 39.098% | 39.098% | 09/23/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  | xxxxxx | 6.240% | $155000.00 | 1.4 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 21.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $86389.19 | 9.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.27 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 854168 | xxxxxx | N/A |  |  | xxxxxx | No | No | $22881.00 | $14318.00 | xxxxxx | 7.572% | $2263.69 | $2263.69 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $39193.18 | 1 | xxxxxx | $1770.00 | xxxxxx | $147.50 | xxxxxx | xxxxxx | $435.00 |  | Annually | 10.060% | 10.060% | 10.060% | 10/07/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22881.00 | xxxxxx | 6.290% | $6000.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $125338.00 | 29.840% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.62 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 854170 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1450.00 | $3023.73 | xxxxxx | 6.910% | $5288.28 | $5288.28 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16777.22 | 1 | xxxxxx | $1592.04 | xxxxxx | $132.67 |  |  |  |  |  | 28.174% | 28.174% | 28.174% | 09/30/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1450.00 | xxxxxx | 6.240% | $0.00 | 2.7 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $4252.61 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.67 | Retail |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854173 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14250.00 | $5849.00 |  | 7.204% | $3449.44 | $3449.44 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16661.23 | 1 | xxxxxx | $2156.04 | xxxxxx | $179.67 |  |  |  |  |  | 33.387% | 33.387% | 33.387% | 10/17/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14250.00 |  | 6.160% | $20000.00 | 1 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $432829.81 | 67.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 72.23 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 854174 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $22121.88 | $27694.43 | xxxxxx | 7.182% | $6890.63 | $9158.22 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22697.04 | 1 | xxxxxx | $2865.36 | xxxxxx | $238.78 |  |  |  |  |  | 40.522% | 34.580% | 40.522% | 10/14/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22121.88 | xxxxxx | 6.240% | $0.00 | 1.5 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 21.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $51737.58 | 3.280% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.6 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854396 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $64645.00 | $17873.33 | xxxxxx | 7.254% | $7006.67 | $7006.67 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $264968.80 | 1 | xxxxxx | $2550.96 | xxxxxx | $212.58 |  |  |  |  |  | 8.414% | 8.414% | 8.414% | 09/24/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 35.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $64645.00 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $569268.19 | 43.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.25 |  | No | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 854397 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $42985.00 | $4637.69 | xxxxxx | 7.079% | $3033.47 | $3033.47 | 6.999% | No | No | Not Employed | Employed | Employed |  | 2.13 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $10182.92 | 1 | xxxxxx | $6185.04 | xxxxxx | $515.42 |  |  |  |  |  | 46.931% | 46.931% | 46.931% | 07/25/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2022 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $42985.00 | xxxxxx | 6.310% | $0.00 | 1.7 |  |  |  | N/A | No | 6.999% | 0 | 3 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $263741.00 | 46.270% | No |  |  | 32 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 22.19 |  | No | No | xxxxxx | $0.00 | $19187.89 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 854399 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $94800.00 | $25716.97 | xxxxxx | 7.540% | $10912.67 | $10912.67 | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $289020.65 | 3 | xxxxxx | $4575.48 | xxxxxx | $381.29 |  |  |  |  |  | 5.893% | 5.893% | 5.893% | 09/11/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $94800.00 | xxxxxx | 6.160% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $59250.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 46.67 |  |  | Yes | xxxxxx | $153558.70 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854401 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $107495.00 | $29883.31 |  | 7.185% | $10643.77 | $10643.77 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $231383.40 | 1 | xxxxxx | $8695.32 | xxxxxx | $724.61 | xxxxxx | xxxxxx | $235.00 |  | Monthly | 25.713% | 25.713% | 25.713% | 09/24/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  | xxxxxx | xxxxxx | $107495.00 |  | 6.160% | $0.00 | 5 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 0.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.26 |  | No | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 9 | Mortgagor Focused |
| xxxxxx | 854402 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $211495.00 | $61313.03 | xxxxxx | 7.205% | $19957.06 | $19957.06 | 6.999% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $124786.11 | 1 | xxxxxx | $25260.00 | xxxxxx | $2105.00 |  |  |  |  |  | 20.450% | 20.450% | 20.450% | 08/20/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $211495.00 | xxxxxx | 6.240% | $0.00 | 3.4 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $702286.49 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 118.65 |  | No | No | xxxxxx | $156864.33 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854403 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $36418.44 | $4088.50 | xxxxxx | 7.082% | $3251.34 | $3251.34 | 6.999% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $27166.85 | 1 | xxxxxx | $1773.96 | xxxxxx | $147.83 |  |  |  |  |  | 31.612% | 31.612% | 31.612% | 08/12/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 65.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 65.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $36418.44 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | Yes | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $24621.37 | 4.280% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 34.2 |  | No | Yes | xxxxxx | $39724.68 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 854405 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $13532.19 | $18667.14 | xxxxxx | 7.868% | $3179.68 | $3179.68 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $6102.49 | 1 | xxxxxx | $1791.00 | xxxxxx | $149.25 |  |  |  |  |  | 39.059% | 39.059% | 39.059% | 08/25/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13532.19 | xxxxxx | 6.320% | $6000.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $212312.05 | 39.680% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 29.15 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854406 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $8820.00 | $10783.73 | xxxxxx | 8.027% | $2588.04 | $2588.04 | 7.750% | No | No | Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $8827.98 | 1 | xxxxxx | $4088.04 | xxxxxx | $340.67 | xxxxxx | xxxxxx | $452.00 |  | Annually | 44.064% | 44.064% | 44.064% | 09/11/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 38.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8820.00 | xxxxxx | 6.310% | $8025.00 | 1 |  |  |  | N/A | No | 7.750% | 2 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $108538.96 | 25.530% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.92 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854407 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $9095.00 | $10296.67 | xxxxxx | 7.489% | $2728.71 | $2728.71 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9921.91 | 1 | xxxxxx | $3812.16 | xxxxxx | $317.68 |  |  |  |  |  | 37.466% | 37.466% | 37.466% | 09/03/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9095.00 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $151143.78 | 30.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.75 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854408 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $5939.00 | $6465.58 | xxxxxx | 7.200% | $1926.52 | $1926.52 | 6.999% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9130.69 | 1 | xxxxxx | $1284.96 | xxxxxx | $107.08 |  |  |  |  |  | 38.297% | 38.297% | 38.297% | 08/29/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $5939.00 | xxxxxx | 6.310% | $7000.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $81779.85 | 22.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 15.55 |  |  | No | xxxxxx | $6569.72 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854409 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $6663.00 | $7878.98 | xxxxxx | 7.535% | $3052.78 | $3052.78 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7852.46 | 1 | xxxxxx | $1119.24 | xxxxxx | $93.27 | xxxxxx | xxxxxx | $950.00 |  | Annually | 40.946% | 40.946% | 40.946% | 09/15/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6663.00 | xxxxxx | 6.240% | $60000.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $74242.35 | 13.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854410 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $10518.51 | $13652.44 | xxxxxx | 8.388% | $3786.10 | $3786.10 | 8.125% | No | No | Self-Employed | Self-Employed | Self-Employed |  | 4.31 |  | Permanent Resident Alien | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  | $9164.45 | 1 | xxxxxx | $1141.68 | xxxxxx | $95.14 | xxxxxx | xxxxxx | $405.00 |  | Monthly | 44.635% | 44.635% | 44.635% | 07/03/2025 | 721 | 692 | 719 | 620 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 36 | Personal | 100.000% | 100.000% | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10518.51 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $124539.89 | 20.760% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  | Resident Alien Card | Resident Alien Card | Resident Alien Card |  |  | 3.36 |  |  | No | xxxxxx | $9017.52 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854411 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $8745.00 | $11039.03 | xxxxxx | 7.287% | $1708.01 | $1708.01 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3321.69 | 1 | xxxxxx | $2157.00 | xxxxxx | $179.75 |  |  |  |  |  | 40.885% | 40.885% | 40.885% | 09/05/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | Chapter 7 |  | xxxxxx | 1 | 92.16 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8745.00 | xxxxxx | 6.310% | $7500.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $247493.43 | 68.740% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 59.27 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854412 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $16866.90 | $18599.89 | xxxxxx | 7.033% | $2793.93 | $2793.93 | 6.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12573.50 | 1 | xxxxxx | $492.00 | xxxxxx | $41.00 | xxxxxx | xxxxxx | $65.00 |  | Monthly | 32.718% | 32.718% | 32.718% | 09/25/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement | Chapter 7 |  | xxxxxx | 1 | 105 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16866.90 | xxxxxx | 6.220% | $5000.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $75596.09 | 13.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.98 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854413 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $5455.00 | $6104.80 | xxxxxx | 7.578% | $905.48 | $905.48 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4788.10 | 1 | xxxxxx | $1930.68 | xxxxxx | $160.89 |  |  |  |  |  | 34.020% | 34.020% | 34.020% | 09/07/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $5455.00 | xxxxxx | 6.310% | $1500.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $57929.01 | 34.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.02 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854414 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $20982.50 | $22222.82 | xxxxxx | 7.309% | $4689.91 | $4689.91 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $171843.75 | 1 | xxxxxx | $8711.04 | xxxxxx | $725.92 |  |  |  |  |  | 6.866% | 6.866% | 6.866% | 08/20/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 63.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 63.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $20982.50 | xxxxxx | 6.310% | $0.00 | 3.5 |  |  |  | No | No | 6.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.97 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854415 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $12595.00 | $13620.58 | xxxxxx | 7.464% | $2694.87 | $2694.87 | 7.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3635.97 | 1 | xxxxxx | $1635.00 | xxxxxx | $136.25 |  |  |  |  |  | 49.321% | 49.321% | 49.321% |  | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $12595.00 | xxxxxx | 6.310% | $0.00 | 1.1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 5.71 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854416 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $6205.00 | $7458.63 | xxxxxx | 7.403% | $1805.57 | $1805.57 | 7.125% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $4877.78 | 1 | xxxxxx | $904.92 | xxxxxx | $75.41 |  |  |  |  |  | 32.350% | 32.350% | 32.350% | 09/05/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6205.00 | xxxxxx | 6.290% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 5.51 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854417 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $20195.00 | $28057.50 | xxxxxx | 7.817% | $10192.23 | $10192.23 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $24480.38 | 1 | xxxxxx | $3234.96 | xxxxxx | $269.58 |  |  |  |  |  | 39.660% | 39.660% | 39.660% | 09/15/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.83000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.83000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.83000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.83000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.83000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.83000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.83000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $20195.00 | xxxxxx | 6.290% | $25000.00 | 4.2 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 0.550% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.52 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854418 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $18000.00 | $19070.33 | xxxxxx | 7.431% | $4177.05 | $4177.05 | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $21399.15 | 1 | xxxxxx | $9841.44 | xxxxxx | $820.12 |  |  |  |  |  | 45.918% | 45.918% | 45.918% | 09/02/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $18000.00 | xxxxxx | 6.240% | $5100.00 | 2.8 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $208687.53 | 26.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.25 |  | No | No | xxxxxx | $19783.91 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 854422 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $11588.75 | $14242.60 | xxxxxx | 7.552% | $5577.20 | $5577.20 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $83667.29 | 1 | xxxxxx | $3570.96 | xxxxxx | $297.58 | xxxxxx | xxxxxx | $540.00 |  | Annually | 17.295% | 17.295% | 17.295% | 09/30/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11588.75 | xxxxxx | 6.240% | $0.00 | 2.6 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 1.050% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.53 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 854423 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $31407.50 | $19631.78 | xxxxxx | 7.725% | $14067.40 | $14067.40 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $203148.32 | 1 | xxxxxx | $12014.52 | xxxxxx | $1001.21 | xxxxxx | xxxxxx | $2481.00 |  | Annually | 11.243% | 11.243% | 11.243% | 09/11/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $31407.50 | xxxxxx | 6.240% | $12500.00 | 5 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $929959.07 | 34.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.37 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854427 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $21745.00 | $23254.20 | xxxxxx | 7.491% | $6872.93 | $6872.93 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $221269.47 | 1 | xxxxxx | $6890.16 | xxxxxx | $574.18 |  |  |  |  |  | 6.937% | 6.937% | 6.937% | 09/08/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $21745.00 | xxxxxx | 6.240% | $0.00 | 1.5 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.15 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854428 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $13295.00 | $16517.38 | xxxxxx | 7.178% | $3074.43 | $3074.43 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $3136.72 | 1 | xxxxxx | $2085.00 | xxxxxx | $173.75 |  |  |  |  |  | 54.691% | 54.691% | 54.691% | 10/10/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13295.00 | xxxxxx | 6.290% | $101200.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $23179.14 | 3.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.9 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 854429 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $8595.00 | $8862.73 | xxxxxx | 6.763% | $1769.79 | $1769.79 | 6.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7110.51 | 1 | xxxxxx | $1455.00 | xxxxxx | $121.25 | xxxxxx | xxxxxx | $520.00 |  | Monthly | 28.591% | 28.591% | 28.591% | 10/08/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8595.00 | xxxxxx | 6.240% | $10500.00 | 1 |  |  |  | N/A | No | 6.500% | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $106596.08 | 30.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.79 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854431 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $21845.00 | $22384.00 | xxxxxx | 7.470% | $7367.50 | $7367.50 | 7.250% | No | No | Not Employed | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $15818.07 | 1 | xxxxxx | $6042.48 | xxxxxx | $503.54 | xxxxxx | xxxxxx | $105.00 |  | Monthly | 38.236% | 38.236% | 38.236% | 09/25/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $21845.00 | xxxxxx | 6.310% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $1602038.07 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 173.68 |  |  | No | xxxxxx | $25610.44 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854676 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6990.00 | $8745.50 | xxxxxx | 6.619% | $1292.87 | $1292.87 | 6.249% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3442.89 | 1 | xxxxxx | $1932.00 | xxxxxx | $161.00 | xxxxxx | xxxxxx | $405.00 |  | Monthly | 46.966% | 46.966% | 46.966% | 10/02/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6990.00 | xxxxxx | 6.290% | $0.00 | 1 |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 81.96 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854678 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8813.75 | $12258.48 | xxxxxx | 6.383% | $2539.86 | $2539.86 | 5.990% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6839.76 | 1 | xxxxxx | $975.00 | xxxxxx | $81.25 |  |  |  |  |  | 39.893% | 39.893% | 39.893% |  | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8813.75 | xxxxxx | 5.760% | $0.00 | 1.5 |  |  |  | N/A | No | 5.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $42540.01 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 13.43 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854679 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14031.43 | $11130.87 | xxxxxx | 7.528% | $3976.74 | $3976.74 | 7.374% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15981.46 | 1 | xxxxxx | $2316.96 | xxxxxx | $193.08 |  |  |  |  |  | 32.563% | 32.563% | 32.563% | 09/03/2025 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14031.43 | xxxxxx | 6.240% | $0.00 | 1 |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | No |  |  |  | xxxxxx | $0.00 | 0.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.89 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854680 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2412.54 | $2412.54 | 6.749% | No | No |  |  |  |  | 0 |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $1215.72 | xxxxxx | $101.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.85 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 114.3 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | Yes | Yes | No | 1 | Property Focused |
| xxxxxx | 854682 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2334.26 | $2334.26 | 7.374% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1935.96 | xxxxxx | $161.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.05 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | Yes |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 100.87 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | Yes | No | No | 1 | Property Focused |
| xxxxxx | 854683 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2243.13 | $2243.13 | 6.990% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 4 | xxxxxx | $4284.36 | xxxxxx | $357.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/22/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $339112.82 | 75.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 63.52 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | Yes | No | No | 1 | Property Focused |
| xxxxxx | 854685 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $25771.00 | $14687.97 | xxxxxx | 7.299% | $10902.82 | $10902.82 | 7.249% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $50345.53 | 1 | xxxxxx | $4086.12 | xxxxxx | $340.51 |  |  |  |  |  | 25.933% | 25.933% | 25.933% |  | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $25771.00 | xxxxxx | 6.290% | $0.00 |  |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $59940.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | xxxxxx | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.14 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854687 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $900.39 | $900.39 | 6.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1079.40 | xxxxxx | $89.95 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/22/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.2 |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.94 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 86.9 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 854688 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $692.61 | $692.61 | 6.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1378.68 | xxxxxx | $114.89 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/22/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 74.29 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 854690 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $835.58 | $835.58 | 7.249% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1397.04 | xxxxxx | $116.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/09/2025 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $17053.96 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 11.66 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 854692 | xxxxxx | N/A |  |  | xxxxxx | No | No | $39172.00 | $10973.95 | xxxxxx | 7.952% | $3359.65 | $3359.65 | 7.749% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $39336.61 | 1 | xxxxxx | $1961.40 | xxxxxx | $163.45 |  |  |  |  |  | 26.127% | 26.127% | 26.127% |  | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $39172.00 | xxxxxx | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 0 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No | 3 | Mortgagor Focused |
| xxxxxx | 854694 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $12487.00 | $5623.09 | xxxxxx | 7.571% | $3319.41 | $3319.41 | 7.490% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $4598.49 | 1 | xxxxxx | $1388.28 | xxxxxx | $115.69 |  |  |  |  |  | 46.583% | 46.583% | 46.583% | 11/04/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $12487.00 | xxxxxx | 6.170% | $17500.00 | 1 |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $13520.48 | 2.560% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 8.46 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854695 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1414.36 | $1414.36 | 6.490% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $879.00 | xxxxxx | $73.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/19/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $84914.92 | 30.320% | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.82 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 854698 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9670.00 | $11777.95 | xxxxxx | 7.178% | $2299.02 | $2299.02 | 6.874% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3613.54 | 1 | xxxxxx | $936.00 | xxxxxx | $78.00 | xxxxxx | xxxxxx | $525.00 |  | Monthly | 46.237% | 46.237% | 46.237% | 10/24/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9670.00 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 1 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 22 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854699 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5634.54 | $5634.54 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2356.92 | xxxxxx | $196.41 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/04/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 40.74 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | Property Focused |
| xxxxxx | 854701 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $984.11 | $984.11 | 7.374% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1176.00 | xxxxxx | $98.00 | xxxxxx | xxxxxx | $382.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/14/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $112758.38 | 59.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.51 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 854702 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4105.39 | $4105.39 | 6.874% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2522.40 | xxxxxx | $210.20 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/28/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  |  | xxxxxx | $49138.65 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 18.18 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 854704 | xxxxxx | N/A |  |  | xxxxxx | No | No | $83068.00 | $21995.40 | xxxxxx | 6.619% | $8760.82 | $8760.82 | 6.490% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $94903.31 | 4 | xxxxxx | $2603.28 | xxxxxx | $216.94 |  |  |  |  |  | 21.160% | 21.160% | 21.160% | 10/13/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $83068.00 | xxxxxx | 6.290% | $0.00 |  |  |  |  | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $391960.55 | 21.180% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 22.12 |  | No | No | xxxxxx | $120375.22 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 854706 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2148.64 | $2148.64 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1691.04 | xxxxxx | $140.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/20/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.95 | 1.05 |  |  |  |  |  |  |  | xxxxxx | $123126.68 | 29.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 854707 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $860.49 | $860.49 | 6.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1532.16 | xxxxxx | $127.68 | xxxxxx | xxxxxx | $245.00 |  | Annually | 0.000% | 0.000% | 0.000% | 10/20/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.73 |  |  |  |  |  |  |  | xxxxxx | $221929.29 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 150.7 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | Property Focused |
| xxxxxx | 854708 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1050.45 | $1050.45 | 7.249% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2607.60 | xxxxxx | $217.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/22/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 13 |  | xxxxxx | 1 |  | -0.96 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $124628.48 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 195.62 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 854711 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1077.35 | $1077.35 | 7.374% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2173.20 | xxxxxx | $181.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $6612.45 | 3.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.44 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 854714 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4144.47 | $4144.47 | 7.490% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2166.96 | xxxxxx | $180.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/26/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  | 240 | xxxxxx | $230959.95 | 27.820% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.04 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 854717 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1098.02 | $1098.02 | 6.624% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1476.00 | xxxxxx | $123.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/13/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 6.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.56 | 0.63 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 46.28 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | Property Focused |
| xxxxxx | 854718 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $40045.00 | $28196.23 | xxxxxx | 6.747% | $6314.11 | $6314.11 | 6.490% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $43626.62 | 1 | xxxxxx | $1557.00 | xxxxxx | $129.75 |  |  |  |  |  | 16.514% | 16.514% | 16.514% | 10/20/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $40045.00 | xxxxxx | 6.260% | $30000.00 | 1.7 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $230881.71 | 19.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.42 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854719 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12333.00 | $5343.24 | xxxxxx | 8.069% | $3862.54 | $3862.54 | 7.990% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $8652.17 | 1 | xxxxxx | $2204.04 | xxxxxx | $183.67 |  |  |  |  |  | 45.165% | 45.165% | 45.165% | 10/27/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $12333.00 | xxxxxx | 6.160% | $19700.00 | 1.6 |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $107956.12 | 17.410% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.01 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | Mortgagor Focused |
| xxxxxx | 854720 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13081.00 | $18293.51 | xxxxxx | 7.259% | $2277.65 | $2277.65 | 6.749% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $93913.02 | 1 | xxxxxx | $1058.04 | xxxxxx | $88.17 | xxxxxx | xxxxxx | $107.00 |  | Monthly | 5.911% | 5.911% | 5.911% | 10/06/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13081.00 | xxxxxx | 6.260% | $10000.00 | 1 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $9999.00 | 2.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 69.14 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854721 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $972.70 | $972.70 | 6.749% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $747.96 | xxxxxx | $62.33 | xxxxxx | xxxxxx | $462.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/09/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  | 240 | xxxxxx | $63153.29 | 29.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 13.18 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | Property Focused |
| xxxxxx | 854723 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9652.00 | $11227.13 | xxxxxx | 6.812% | $2045.77 | $2045.77 | 6.490% | No | No | Non-Employment Income | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5606.78 | 1 | xxxxxx | $1453.08 | xxxxxx | $121.09 |  |  |  |  |  | 43.146% | 43.146% | 43.146% | 10/16/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9652.00 | xxxxxx | 6.170% | $5000.00 | 1 |  |  |  | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $851642.46 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 293.21 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854724 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5155.00 | $2383.62 | xxxxxx | 9.759% | $1427.86 | $1427.86 | 9.624% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $5192.30 | 1 | xxxxxx | $1812.96 | xxxxxx | $151.08 |  |  |  |  |  | 45.567% | 45.567% | 45.567% | 10/22/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $5155.00 | xxxxxx | 6.160% | $0.00 | 3.2 |  |  |  | N/A | No | 9.624% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $35164.38 | 16.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 19.15 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 854725 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1268.99 | $1268.99 | 7.374% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1938.96 | xxxxxx | $161.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  |  |  |  | xxxxxx | $162406.79 | 66.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.56 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 854726 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16115.00 | $17774.26 | xxxxxx | 7.713% | $3542.81 | $3542.81 | 7.374% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12103.45 | 1 | xxxxxx | $2985.96 | xxxxxx | $248.83 | xxxxxx | xxxxxx | $1275.00 |  | Annually | 29.517% | 29.517% | 29.517% |  | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16115.00 | xxxxxx | 6.230% | $1500.00 | 3.8 |  |  |  | N/A | No | 7.374% | 0 | 0 | 0 | 0 | 0 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $832914.71 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 176.38 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855200 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10142.82 | $11138.00 | xxxxxx | 7.030% | $1711.85 | $1711.85 | 6.624% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3998.06 | 1 | xxxxxx | $3057.96 | xxxxxx | $254.83 |  |  |  |  |  | 44.943% | 44.943% | 44.943% | 08/18/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31 | 0 | 0 |  | xxxxxx | xxxxxx | $10142.82 | xxxxxx | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $427118.29 | 74.280% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.49 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855202 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1624.00 | $1624.00 | 7.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $1353.60 | xxxxxx | $112.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/14/2025 | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.85 | 0.53 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 46.25 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855204 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $21067.50 | $9125.92 | xxxxxx | 7.773% | $4196.81 | $4196.81 | 7.624% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $18758.88 | 1 | xxxxxx | $1599.96 | xxxxxx | $133.33 |  |  |  |  |  | 29.895% | 29.895% | 29.895% | 10/16/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $21067.50 | xxxxxx | 6.170% | $0.00 | 1 |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $14523.75 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No | 10.64 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 855205 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9009.06 | $6705.09 | xxxxxx | 7.587% | $2097.72 | $2097.72 | 7.374% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3629.71 | 1 | xxxxxx | $1341.00 | xxxxxx | $111.75 | xxxxxx |  | $540.00 |  | Monthly | 48.147% | 48.147% | 48.147% | 10/17/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9009.06 | xxxxxx | 6.170% | $0.00 | 1 |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $15388.87 | 3.790% | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.03 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855206 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4945.00 | $6730.01 | xxxxxx | 6.793% | $1325.97 | $1325.97 | 6.490% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6081.66 | 1 | xxxxxx | $1101.96 | xxxxxx | $91.83 | xxxxxx | xxxxxx | $366.00 |  | Monthly | 31.917% | 31.917% | 31.917% | 10/17/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $4945.00 | xxxxxx | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.54 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855207 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1593.00 | $1593.00 | 6.249% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $8140.56 | xxxxxx | $678.38 | xxxxxx | xxxxxx | $240.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/22/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.249% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $241443.94 | 69.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  | 86.15 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855208 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4970.75 | $1225.33 | xxxxxx | 6.263% | $5042.19 | $5042.19 | 6.249% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $39380.18 | 1 | xxxxxx | $5008.08 | xxxxxx | $417.34 |  |  |  |  |  | 14.742% | 14.742% | 14.742% | 10/23/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $4970.75 | xxxxxx | 6.170% | $24720.00 | 1.1 |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $509426.31 | 41.080% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.95 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855209 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14215.00 | $20011.36 | xxxxxx | 8.497% | $6219.91 | $6219.91 | 8.249% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $41931.12 | 1 | xxxxxx | $2516.04 | xxxxxx | $209.67 |  |  |  |  |  | 25.711% | 25.711% | 25.711% | 09/09/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14215.00 | xxxxxx | 6.260% | $0.00 | 1 |  |  |  | N/A | No | 8.249% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $90399.14 | 9.820% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.19 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855210 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14595.00 | $4509.87 | xxxxxx | 7.047% | $4253.64 | $4253.64 | 6.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10610.19 | 1 | xxxxxx | $1640.52 | xxxxxx | $136.71 |  |  |  |  |  | 36.839% | 36.839% | 36.839% | 10/24/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14595.00 | xxxxxx | 6.160% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.39 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855211 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2087.79 | $2087.79 | 7.624% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1982.76 | xxxxxx | $165.23 | xxxxxx | xxxxxx | $542.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/02/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $477722.67 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 119.77 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855213 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1003.08 | $1003.08 | 6.374% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $491.04 | xxxxxx | $40.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/15/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.374% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $133775.55 | 66.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 62.82 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | Property Focused |
| xxxxxx | 855215 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10148.13 | $1152.09 | xxxxxx | 7.027% | $1644.96 | $1644.96 | 6.990% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6125.92 | 1 | xxxxxx | $1031.88 | xxxxxx | $85.99 | xxxxxx | xxxxxx | $650.00 |  | Annually | 35.229% | 35.229% | 35.229% | 10/25/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10148.13 | xxxxxx | 6.260% | $16500.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 2 | 0 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $41633.47 | 15.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.7 |  |  | No | xxxxxx | $0.00 | $3360.40 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855216 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6910.00 | $7869.46 | xxxxxx | 8.191% | $1332.40 | $1332.40 | 7.749% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3358.18 | 1 | xxxxxx | $1004.28 | xxxxxx | $83.69 |  |  |  |  |  | 33.528% | 33.528% | 33.528% | 10/31/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6910.00 | xxxxxx | 6.230% | $0.00 | 1 |  |  |  | N/A | No | 7.749% | 2 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $51565.69 | 22.170% | No | 22 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.11 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855217 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3241.91 | $3241.91 | 6.490% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1041.96 | xxxxxx | $86.83 | xxxxxx | xxxxxx | $195.00 |  | Annually | 0.000% | 0.000% | 0.000% | 11/05/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.7 |  |  |  | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.75 | 0.56 |  |  |  |  |  |  |  | xxxxxx | $241568.68 | 37.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 25.43 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 6 | Property Focused |
| xxxxxx | 855687 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7374.35 | $10322.37 | xxxxxx | 9.033% | $1436.54 | $1436.54 | 8.490% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5065.85 | 1 | xxxxxx | $869.40 | xxxxxx | $72.45 | xxxxxx | xxxxxx | $579.00 |  | Monthly | 36.634% | 36.634% | 36.634% | 10/03/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 95.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7374.35 | xxxxxx | 6.260% | $875.00 | 1 |  |  |  | N/A | No | 8.490% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $30894.97 | 14.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.21 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855690 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9795.00 | $12274.71 | xxxxxx | 7.135% | $2075.31 | $2075.31 | 6.749% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17462.77 | 1 | xxxxxx | $2589.96 | xxxxxx | $215.83 | xxxxxx | xxxxxx | $102.00 |  | Monthly | 19.182% | 19.182% | 19.182% | 10/01/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9795.00 | xxxxxx | 6.230% | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $225854.83 | 56.460% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.7 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855698 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $31795.00 | $3610.00 | xxxxxx | 7.663% | $6794.16 | $6794.16 | 7.624% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25805.79 | 1 | xxxxxx | $1730.04 | xxxxxx | $144.17 | xxxxxx | xxxxxx | $1347.00 |  | Monthly | 42.978% | 42.978% | 42.978% | 10/29/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2019 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $31795.00 | xxxxxx | 6.260% | $0.00 | 2.7 |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $50000.00 | 4.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.39 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 855703 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14582.50 | $6937.16 | xxxxxx | 7.840% | $3331.00 | $3331.00 | 7.749% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12562.32 | 1 | xxxxxx | $930.96 | xxxxxx | $77.58 | xxxxxx | xxxxxx | $414.00 |  | Monthly | 25.948% | 25.948% | 25.948% | 11/04/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14582.50 | xxxxxx | 6.260% | $0.00 | 1 |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $1362483.04 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 245.47 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855705 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11915.00 | $12203.15 | xxxxxx | 7.268% | $2445.85 | $2445.85 | 6.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13035.42 | 1 | xxxxxx | $850.44 | xxxxxx | $70.87 |  |  |  |  |  | 37.927% | 37.926% | 37.926% | 09/29/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11915.00 | xxxxxx | 6.260% | $10000.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $88409.28 | 19.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855706 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $7957.50 | $9893.50 | xxxxxx | 8.467% | $3703.40 | $3703.40 | 8.249% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $5235.93 | 1 | xxxxxx | $1678.20 | xxxxxx | $139.85 |  |  |  |  |  | 48.674% | 48.674% | 48.674% | 11/03/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7957.50 | xxxxxx | 6.260% | $0.00 | 1 |  |  |  | N/A | No | 8.249% | 1 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $116381.96 | 20.060% | No | 34 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 5.56 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855708 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $28813.75 | $30896.50 | xxxxxx | 7.703% | $6785.22 | $6785.22 | 7.374% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26813.67 | 1 | xxxxxx | $3662.88 | xxxxxx | $305.24 | xxxxxx | xxxxxx | $72.00 |  | Monthly | 30.519% | 30.519% | 30.519% | 10/03/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  | xxxxxx | xxxxxx | $28813.75 | xxxxxx | 6.260% | $0.00 | 1 |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.48 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855712 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12390.00 | $15727.29 | xxxxxx | 7.856% | $2710.30 | $2710.30 | 7.490% | No | No | Self-Employed | Self-Employed |  |  |  |  | Not Provided | Not Provided |  |  |  |  |  |  | $36007.23 | 1 | xxxxxx | $1746.96 | xxxxxx | $145.58 |  |  |  |  |  | 8.700% | 8.700% | 8.700% | 10/12/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $12390.00 | xxxxxx | 6.260% | $0.00 | 1 |  |  |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $8689.16 | 1.790% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 9.64 |  |  | No | xxxxxx | $19719.16 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855713 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6682.50 | $9143.81 | xxxxxx | 6.404% | $2701.18 | $2701.18 | 6.249% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15382.50 | 1 | xxxxxx | $2776.44 | xxxxxx | $231.37 | xxxxxx | xxxxxx | $216.00 |  | Annually | 23.088% | 23.088% | 23.088% | 11/10/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6682.50 | xxxxxx | 6.260% | $0.00 | 4.5 |  |  |  | N/A | No | 6.249% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $338344.39 | 57.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.52 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 855716 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $36985.00 | $2260.61 | xxxxxx | 7.717% | $5601.80 | $5601.80 | 7.749% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $13766.90 | 1 | xxxxxx | $2321.04 | xxxxxx | $193.42 |  |  |  |  |  | 47.137% | 47.137% | 47.137% |  | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 76.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $36985.00 | xxxxxx | 6.230% | $34800.00 | 1 |  |  |  | N/A | No | 7.749% | 0 | 1 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $172583.21 | 19.830% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 21.24 |  | Yes | No | xxxxxx | $0.00 | $6248.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 856487 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $9027.18 | $9663.50 | xxxxxx | 7.491% | $1757.06 | $1757.06 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4073.11 | 1 | xxxxxx | $338.04 | xxxxxx | $28.17 | xxxxxx | xxxxxx | $336.00 |  | Monthly | 53.957% | 53.957% | 53.957% | 09/10/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.89000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.89000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.89000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.89000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 14.89000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2008 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9027.18 | xxxxxx | 6.540% | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $202797.58 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 80.02 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | Mortgagor Focused |
| xxxxxx | 856490 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $24347.00 | $10318.75 | xxxxxx | 8.030% | $2435.80 | $2435.80 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $21113.18 | 1 | xxxxxx | $2413.44 | xxxxxx | $201.12 |  |  |  |  |  | 20.883% | 20.883% | 20.883% | 08/12/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $24347.00 | xxxxxx | 6.290% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $42500.00 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 5.85 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 857092 | xxxxxx | N/A |  |  | xxxxxx | No | No | $8724.38 | $4727.82 | xxxxxx | 8.272% | $815.62 | $815.62 | 7.874% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9511.35 | 1 | xxxxxx | $893.04 | xxxxxx | $74.42 | xxxxxx | xxxxxx | $616.00 |  | Monthly | 46.144% | 46.144% | 46.144% |  | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - xxxxxx \| Primary Income - Pension]; 1099-R - 2023<br> [Borrower - xxxxxx \| Primary Income - Pension]; Award Letter / Continuance Letter - 2013<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Pension]; Award Letter / Continuance Letter - 2013<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; Tax Return Extension - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $8724.38 | xxxxxx | 6.260% | $0.00 | 1.2 |  |  |  | N/A | No | 7.874% | 0 | 0 | 2 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $46449.60 | 30.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.32 |  | No | Yes | xxxxxx | $9455.44 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 857099 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $16651.88 | $10775.15 | xxxxxx | 6.808% | $7007.38 | $7007.38 | 6.749% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12464.44 | 1 | xxxxxx | $4002.96 | xxxxxx | $333.58 |  |  |  |  |  | 41.941% | 41.941% | 41.941% | 11/20/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16651.88 | xxxxxx | 6.260% | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $53085.39 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.95 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | Mortgagor Focused |
| xxxxxx | 857104 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10704.55 | $12945.40 | xxxxxx | 7.434% | $1822.02 | $1822.02 | 6.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8218.50 | 1 | xxxxxx | $1453.32 | xxxxxx | $121.11 | xxxxxx | xxxxxx | $691.00 |  | Monthly | 52.443% | 52.443% | 52.443% | 10/15/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 39.000% |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10704.55 | xxxxxx | 6.230% | $13812.00 | 1 |  |  |  | N/A | No | 6.990% | 2 |  | 2 | 0 | 0 | 0 |  | 24 | 11.13 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $145492.48 | 42.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.7 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |
| xxxxxx | 857105 | xxxxxx | N/A |  |  | xxxxxx | No | No | $30560.31 | $13789.49 | xxxxxx | 7.204% | $2478.01 | $2478.01 | 6.874% | No | No | Not Employed | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  | $129712.17 | 1 | xxxxxx | $1320.48 | xxxxxx | $110.04 | xxxxxx | xxxxxx | $240.00 |  | Annually | 34.976% | 34.976% | 34.976% | 11/06/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $30560.31 | xxxxxx | 6.260% | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Passport |  |  | No | 15.85 |  | No | Yes | xxxxxx | $199484.64 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 19 | Mortgagor Focused |
| xxxxxx | 857107 | xxxxxx | N/A |  |  | xxxxxx | No | No | $32290.00 | $4269.33 | xxxxxx | 6.941% | $2635.66 | $2635.66 | 6.874% | No | No | Not Employed | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  | $144426.36 | 1 | xxxxxx | $1493.16 | xxxxxx | $124.43 | xxxxxx | xxxxxx | $240.00 |  | Annually | 33.370% | 33.370% | 33.370% | 11/06/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $32290.00 | xxxxxx | 6.260% | $0.00 | 1 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $80010.02 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Passport |  |  | No | 57.13 |  | No | Yes | xxxxxx | $216757.09 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 21 | Mortgagor Focused |
| xxxxxx | 857109 | xxxxxx | N/A |  |  | xxxxxx | No | No | $96600.00 | $30747.50 | xxxxxx | 7.064% | $9064.70 | $9064.70 | 6.874% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $50420.77 | 1 | xxxxxx | $4394.88 | xxxxxx | $366.24 |  |  |  |  |  | 18.740% | 18.740% | 18.740% | 11/07/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $96600.00 | xxxxxx | 6.220% | $0.00 | 4.1 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 0.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.4 |  | No | Yes | xxxxxx | $62048.58 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | Mortgagor Focused |

---

## Exhibit 99.8

**EXHIBIT 99.8**

**amc TAX AND TITLE REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Servicer LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| 846878 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 14 | xxxxxx as nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 846879 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 17 | xxxxxx, Inc as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 848992 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 21 | xxxxxx, Inc., as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 852058 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 21 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 852057 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 22 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 852056 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 22 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 852055 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 16 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 852054 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 22 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 852053 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 16 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 852052 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 19 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 852051 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 19 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 852050 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 21 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 852047 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 25 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 853329 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 18 | xxxxxx, Inc as Nominee for xxxxxx, LLC | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 852046 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 14 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Prior Lien - Title Policy Coverage | This Prior Lien was recorded on xxxxxx by xxxxxx, Inc. IAO $xxxxxx Covered by Title Policy. |
| 834912-1 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-2 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-3 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-4 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-5 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-6 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-7 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-8 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-9 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-10 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-11 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-12 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-13 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | xxxxxx | 2nd Half County Taxes for xxxxxx are Delinquent IOA $xxxxxx as of xxxxxx | 3 | Delinquent Property Taxes | 2nd Half County Taxes for 2024 are Delinquent IOA $xxxxxx as of xxxxxx |
| 834912-14 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-15 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-16 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-17 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-18 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-19 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-20 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 834912-21 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Fail | 1 | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Delinquent | xxxxxx | 2nd Half County Taxes for xxxxxx are Delinquent IOA $xxxxxx as of xxxxxx | 3 | Delinquent Property Taxes | 2nd Half County Taxes for xxxxxx are Delinquent IOA $xxxxxx as of xxxxxx |
| 834912-22 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 23 | xxxxxx, LLC, a xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Exception Detail** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| 852046 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Lien Priority | Prior Lien - Title Policy Coverage | No |  | Final | xxxxxx | xxxxxx | No | UTD |  |  | xxxxxx |  | xxxxxx | xxxxxx | Prior Lien - Title Policy Coverage - This Prior Lien was recorded on xxxxxx by xxxxxx, Inc. IAO $xxxxxx. Covered by Title Policy. |
| 834912-13 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  | Delinquent Property Taxes - 2nd Half County Taxes for xxxxxx are Delinquent IOA $xxxxxx as of xxxxxx. |
| 834912-21 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 3 | 3 | Title Diligence | Tax Status | Delinquent Property Taxes |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  | Delinquent Property Taxes - 2nd Half County Taxes for xxxxxx are Delinquent IOA $xxxxxx as of xxxxxx |

---

## Exhibit 99.9

**EXHIBIT 99.9**

**amc multi property valuation**![](tm264015d1_ex99-9img01.jpg)

**Multi Property Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Property ID** | **Property Address** | **City** | **State** | **Zip Code** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **CU Score** | **Secondary Valuation Company** |
| xxxxxx | 844355-2 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06/26/2025 | 06/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 07/01/2025 | 06/03/2025 | Desk Review |  | xxxxxx |
| xxxxxx | 844355-3 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/14/2025 | 06/07/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 07/09/2025 | 06/07/2025 | Desk Review |  | xxxxxx |
| xxxxxx | 844355-4 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06/25/2025 | 06/16/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU | 1 |  |
| xxxxxx | 844355-5 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06/17/2025 | 06/04/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU | 2.1 |  |
| xxxxxx | 844355-6 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06/16/2025 | 06/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 06/26/2025 | 06/03/2025 | Desk Review |  | xxxxxx |
| xxxxxx | 844355-7 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06/19/2025 | 06/02/2025 | Appraisal | xxxxxx |  |  |  |  |  |  | CU | 2.5 |  |
| xxxxxx | 844355-8 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06/19/2025 | 06/02/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 06/30/2025 | 06/02/2025 | Desk Review |  | xxxxxx |
| xxxxxx | 844355-9 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06/23/2025 | 06/09/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 06/30/2025 | 06/09/2025 | Desk Review |  | xxxxxx |
| xxxxxx | 844355-1 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06/26/2025 | 06/03/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 07/01/2025 | 06/03/2025 | Desk Review |  | xxxxxx |
| xxxxxx | 846429-10 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/11/2025 | 07/31/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 09/12/2025 | 07/31/2025 | Desk Review |  | xxxxxx |
| xxxxxx | 846429-9 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/08/2025 | 07/31/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 09/12/2025 | 07/31/2025 | Desk Review |  | xxxxxx |
| xxxxxx | 846429-8 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/08/2025 | 07/31/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 09/12/2025 | 07/31/2025 | Desk Review |  | xxxxxx |
| xxxxxx | 846429-7 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/11/2025 | 07/31/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 09/12/2025 | 07/31/2025 | Desk Review |  | xxxxxx |
| xxxxxx | 846429-6 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07/28/2025 | 07/16/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 09/12/2025 | 07/16/2025 | Desk Review |  | xxxxxx |
| xxxxxx | 846429-5 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/08/2025 | 07/31/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 09/12/2025 | 07/31/2025 | Desk Review |  | xxxxxx |
| xxxxxx | 846429-4 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/08/2025 | 07/31/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 09/12/2025 | 07/31/2025 | Desk Review |  | xxxxxx |
| xxxxxx | 846429-3 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/08/2025 | 07/31/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 09/12/2025 | 07/31/2025 | Desk Review |  | xxxxxx |
| xxxxxx | 846429-2 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/08/2025 | 07/31/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 09/12/2025 | 07/31/2025 | Desk Review |  | xxxxxx |
| xxxxxx | 846429-1 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08/11/2025 | 07/31/2025 | Appraisal | xxxxxx |  | xxxxxx | $0.00 | 0.00% | 09/12/2025 | 07/31/2025 | Desk Review |  | xxxxxx |

---

## Exhibit 99.10

**EXHIBIT 99.10**

**Canopy financial technology partners, llc ("canopy") narrative**

![](tm264015d1_ex99-10img01.jpg)

**NARRATIVE**

**Verus 2026-2**

**By Canopy Financial Technology Partners LLC on January 23, 2026**

Canopy Financial Technology Partners LLC

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

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

![](tm264015d1_ex99-10img01.jpg)

**Description of Services**

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

The Review consisted of a population of four hundred seventy-nine (479) Loans with an aggregate principal balance of $263,037,636.

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

**Data Integrity**

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

---

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

---

![](tm264015d1_ex99-10img01.jpg)

---

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

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI;

· DSCR;

· Gross Income;

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

![](tm264015d1_ex99-10img01.jpg)

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

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

· Borrower identity:

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

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

![](tm264015d1_ex99-10img01.jpg)

· Employment:

· Licensing – reviewed NMLS data for:

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

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

· Occupancy:

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

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

· OFAC.

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

![](tm264015d1_ex99-10img01.jpg)

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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

![](tm264015d1_ex99-10img01.jpg)

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

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

**Compliance Review**

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

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

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

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

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

![](tm264015d1_ex99-10img01.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)

&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:

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");

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

![](tm264015d1_ex99-10img01.jpg)

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

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

![](tm264015d1_ex99-10img01.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](tm264015d1_ex99-10img01.jpg)

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

· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules
 § 109 4-3-01 et seq.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

![](tm264015d1_ex99-10img01.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.

![](tm264015d1_ex99-10img01.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, CU SCORES and FHLMC REPS and WARRANTS***

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:** 

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

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

![](tm264015d1_ex99-10img01.jpg)

**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; Fitch Ratings, Inc. and DBRS Morningstar.

---

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

---

![](tm264015d1_ex99-10img01.jpg)

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 86.64% (415 loans) have an overall grade of "A", and 13.36% (64 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 420 Loans reviewed (87.68%), and 59 loans (12.32%) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 474 Loans reviewed (98.96%), and 5 loans (1.04%) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 478 Loans reviewed (99.79%), and 1 loan (0.21%) has a Property grade of "B".

![](tm264015d1_ex99-10img01.jpg)

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &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;415 | &nbsp;&nbsp;86.64% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;64 | &nbsp;&nbsp;13.36% |
| &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;**479** | &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;420 | &nbsp;&nbsp;87.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;59 | &nbsp;&nbsp;12.32% |
| &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;**479** | &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;474 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**479** | &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;478 | &nbsp;&nbsp;99.79% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% |
| &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;**479** | &nbsp;&nbsp;**100.00%** |

---

![](tm264015d1_ex99-10img01.jpg)

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;472 | &nbsp;&nbsp;98.54% | &nbsp;&nbsp;$258668436.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.46% | &nbsp;&nbsp;$4369200.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**479** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$263037636.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;451 | &nbsp;&nbsp;94.15% | &nbsp;&nbsp;$255873237.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;28 | &nbsp;&nbsp;5.85% | &nbsp;&nbsp;$7164399.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**479** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$263037636.00** |
| &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;1 | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;$500000.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.63% | &nbsp;&nbsp;$771300.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;150 | &nbsp;&nbsp;31.32% | &nbsp;&nbsp;$75069778.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;61 | &nbsp;&nbsp;12.73% | &nbsp;&nbsp;$36578710.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;210 | &nbsp;&nbsp;43.84% | &nbsp;&nbsp;$113132488.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;50 | &nbsp;&nbsp;1250.00% | &nbsp;&nbsp;$33525010.00 |
| &nbsp;&nbsp;Construction to Perm | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.84% | &nbsp;&nbsp;$3460350.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**479** | &nbsp;&nbsp;**1339.56%** | &nbsp;&nbsp;**$263037636.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;$200000.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.42% | &nbsp;&nbsp;$1028000.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.63% | &nbsp;&nbsp;$464000.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;$165000.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;460 | &nbsp;&nbsp;96.03% | &nbsp;&nbsp;$252780136.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;12 | &nbsp;&nbsp;2.51% | &nbsp;&nbsp;$8400500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**479** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$263037636.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;231 | &nbsp;&nbsp;48.23% | &nbsp;&nbsp;$145719707.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;18 | &nbsp;&nbsp;3.76% | &nbsp;&nbsp;$11914000.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;230 | &nbsp;&nbsp;48.02% | &nbsp;&nbsp;$105403929.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**479** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$263037636.00** |

---

![](tm264015d1_ex99-10img01.jpg)

**DATA COMPARISON RESULTS**

Of the four hundred seventy-nine (479) mortgage loan files reviewed, two hundred nineteen (219) unique loans (45.72% by number) had three hundred twenty-eight (328) tape comparison discrepancies across twenty-seven (27) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;479 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;479 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;479 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;18 | &nbsp;&nbsp;479 | &nbsp;&nbsp;3.76% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;479 | &nbsp;&nbsp;1.46% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;479 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;479 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;32 | &nbsp;&nbsp;479 | &nbsp;&nbsp;6.68% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;479 | &nbsp;&nbsp;0.84% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;479 | &nbsp;&nbsp;1.25% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;479 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;479 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;9 | &nbsp;&nbsp;479 | &nbsp;&nbsp;1.88% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;39 | &nbsp;&nbsp;479 | &nbsp;&nbsp;8.14% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;479 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;9 | &nbsp;&nbsp;479 | &nbsp;&nbsp;1.88% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;73 | &nbsp;&nbsp;479 | &nbsp;&nbsp;15.24% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;479 | &nbsp;&nbsp;0.42% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;479 | &nbsp;&nbsp;1.46% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;10 | &nbsp;&nbsp;479 | &nbsp;&nbsp;2.09% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;11 | &nbsp;&nbsp;479 | &nbsp;&nbsp;2.30% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;479 | &nbsp;&nbsp;1.25% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;6 | &nbsp;&nbsp;479 | &nbsp;&nbsp;1.25% |
| &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;60 | &nbsp;&nbsp;479 | &nbsp;&nbsp;12.53% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;479 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;479 | &nbsp;&nbsp;1.67% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;479 | &nbsp;&nbsp;0.21% |

---

![](tm264015d1_ex99-10img01.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 99.11

**EXHIBIT 99.11**

**Canopy RATING AGENCY GRADES DETAIL REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 818469 | xxxxxx | B A | Closed | xxxxxx | 2025-11-25 09:40 | 2025-11-25 09:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client granted exception with compensating factors. Housing History Does Not Meet Guideline Requirements Seek Exception to xxxxxx Exposure of $5,000,000 cap. Seek exception to allow up to $5,246,000 in total financing with<br> xxxxxx. - Due Diligence Vendor-11/25/2025 |  | Waived-Client granted exception with compensating factors. Housing History Does Not Meet Guideline Requirements Seek Exception to xxxxxx Exposure of $5,000,000 cap. Seek exception to allow up to $5,246,000 in total financing with<br> xxxxxx. - Due Diligence Vendor-11/25/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.57% 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 0.13<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.54 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 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 760 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Credit Score 30+ points > minimum required<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841768 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-24 06:59 | 2025-12-30 07:55 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CU score of 1.5 provided - Per GL's: The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® (LCA) - Only one score required - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. See attached xxxxxx SSR CU 1.5 score - Due Diligence Vendor-12/30/2025 <br>Open-Missing Desk review from Loan file. - Due Diligence Vendor-12/24/2025 |  | Resolved-CU score of 1.5 provided - Per GL's: The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® (LCA) - Only one score required - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.49% 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 - 34.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.09 Years |  | 841768_xxxxxx_UCDP.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841768 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-19 03:52 | 2025-12-24 07:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. Articles of incorporation & Secretary of state license showing borrower is 50% owner. Borrowers spouse xxxxxx is other 50%. - Due Diligence Vendor-12/24/2025 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter or other verification for % of business ownership. Some information in file is from 2019. - Due Diligence Vendor-12/19/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.49% 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 - 34.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.09 Years |  | 841768_xxxxxx.pdf<br> 841768_xxxxxx_DOCS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841768 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-18 10:18 | 2025-12-24 06:56 | 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-12/24/2025 <br>Ready for Review-Document Uploaded. See attached gap report - Due Diligence Vendor-12/24/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/18/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/24/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.49% 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 - 34.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.09 Years |  | Full Review841768_xxxxxx_12_23_2025_45718_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841768 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-19 03:49 | 2025-12-24 06:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. See attached Fraud Report - Due Diligence Vendor-12/24/2025 <br> Open-Missing Third Party Fraud Report Missing fraud report. Report in file is for xxxxxx(?) - Due Diligence Vendor-12/19/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.49% 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 - 34.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.09 Years |  | 841768_xxxxxx_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841768 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-18 10:41 | 2025-12-19 04:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client granted exception with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% Lender exception for 80% cashout vs 75% - Due Diligence Vendor-12/18/2025 |  | Waived-Client granted exception with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% Lender exception for 80% cashout vs 75% - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 687 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.49% 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 - 34.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.09 Years | Reserves exceed requirement by 2 months or more<br> Self-employed > 10 years<br> Subject home ownership > 5 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 843141 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 844421 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844876 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 845759 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845766 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845831 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845846 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-10 22:06 | 2025-11-10 22:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client granted exception with compensating factors. Client Exception granted with compensating factors to allow waived escrows with FICO <720. - Due Diligence Vendor-11/11/2025 <br>Open-Loan does not include established escrows. Guideline requires escrows with a FICO < 720. - Due Diligence Vendor-11/11/2025 |  | Waived-Client granted exception with compensating factors. Client Exception granted with compensating factors to allow waived escrows with FICO <720. - Due Diligence Vendor-11/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 811.59 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.41 Years | Reserves exceed requirement by 10 months or more, Current primary home ownership > 5 years, Reserves exceed requirement by 10 months or more, Current primary home ownership > 5 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 845846 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-11 12:24 | 2025-09-11 12:24 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Client granted exception with compensating factors. Exception for DSCR < 1 for 1st time investor. - Due Diligence Vendor-09/11/2025 |  | Waived-Client granted exception with compensating factors. Exception for DSCR < 1 for 1st time investor. - Due Diligence Vendor-09/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 811.59 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.41 Years | Reserves exceed requirement by 10 months or more, Credit Score 10 points > minimum required, Current primary home ownership > 5 years, Reserves exceed requirement by 10 months or more, Current primary home ownership > 5 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846333 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846444 | xxxxxx | D A | Closed | xxxxxx | 2025-09-18 17:12 | 2025-10-08 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/07/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard Insurance Policy Partially Provided for subject property at xxxxxx - Document is incomplete missing required policy premium not stated pg 173 - Due Diligence Vendor-09/18/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/08/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.34 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | dec page xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 846444 | xxxxxx | D A | Closed | xxxxxx | 2025-09-22 07:37 | 2025-09-24 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-LLC Document provided. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/23/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Subject property is an investment property and signed under xxxxxx. Missing Articles of formation/equivalent and secretary of state document needed to close. - Due Diligence Vendor-09/22/2025 |  | Resolved-LLC Document provided. - Due Diligence Vendor-09/24/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.34 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx properties.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 846483 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 846507 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846567 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846708 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846939 | xxxxxx | D A | Closed | xxxxxx | 2025-12-10 14:22 | 2025-12-22 10:45 | 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-12/22/2025 <br>Ready for Review-Document Uploaded. Please see attached credit report. - Due Diligence Vendor-12/22/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing.<br> - Due Diligence Vendor-12/10/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/22/2025<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 - 12.86 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 - 12.87 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.43 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review846939_xxxxxx_12_18_2025_34212_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846939 | xxxxxx | D A | Closed | xxxxxx | 2025-12-12 11:25 | 2025-12-22 10:44 | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Updated Title Policy provided - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached updated title commitment. - Due Diligence Vendor-12/22/2025 <br> Open-The amount on the title commitment is xxxxxx which is less than the loan amount of xxxxxx. Title Supplement is missing from the file. - Due Diligence Vendor-12/12/2025 |  | Resolved-Updated Title Policy provided - Due Diligence Vendor-12/22/2025<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 - 12.86 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 - 12.87 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.43 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review846939_xxxxxx_12_18_2025_34309_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847095 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-16 11:36 | 2025-10-22 10:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. Purchase contract and all addendums uploaded - Due Diligence Vendor-10/22/2025 <br>Open-Purchase Contract is Partial copy. - Due Diligence Vendor-10/16/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/22/2025<br>| Property Equity - Subject property has $25,000 in additional equity not accounted for in qualifying LTV. Purchase price of xxxxxx and appraisal value of xxxxxx with supporting secondary products.<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review847095_xxxxxx_10_21_2025_84024_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847095 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-16 13:33 | 2025-10-16 13:33 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Client granted exception with compensating factors. Exception request for no outside comps from the subject project available per appraiser - Due Diligence Vendor-10/16/2025 |  | Waived-Client granted exception with compensating factors. Exception request for no outside comps from the subject project available per appraiser - Due Diligence Vendor-10/16/2025<br>| Property Equity - Subject property has $25,000 in additional equity not accounted for in qualifying LTV. Purchase price of xxxxxx and appraisal value of xxxxxx with supporting secondary products.<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847190 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847535 | xxxxxx | D A | Closed | xxxxxx | 2025-12-22 10:00 | 2025-12-26 08:30 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Missing TRID disclosures and details received, data entered, no additional compliance findings. - Due Diligence Vendor-12/26/2025 <br>Resolved- - Due Diligence Vendor-12/26/2025 <br>Ready for Review-Document Uploaded. 12/23/25 - please see docs attached. - Due Diligence Vendor-12/24/2025 <br>Open-\*\*Findings are in relation to the delivery of the Initial Closing Disclosure at least 3 business days prior to closing. Lender to also provide evidence of the rate lock and a revised LE issued within 3 business days of the rate lock date. - Due Diligence Vendor-12/22/2025 <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. - Due Diligence Vendor-12/22/2025 <br>Open- - Due Diligence Vendor-12/22/2025 |  | Resolved-Missing TRID disclosures and details received, data entered, no additional compliance findings. - Due Diligence Vendor-12/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 847535_xxxxxx_Initial_CD_Rate_Locked.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847535 | xxxxxx | D A | Closed | xxxxxx | 2025-12-22 10:00 | 2025-12-26 08:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Missing TRID disclosures and details received, data entered, no additional compliance findings. - Due Diligence Vendor-12/26/2025 <br>Resolved- - Due Diligence Vendor-12/26/2025 <br>Ready for Review-Document Uploaded. 12/23/25 - please see revised LE and CIC - Due Diligence Vendor-12/24/2025 <br>Open-\*\*Findings are in relation to the delivery of the Initial Closing Disclosure at least 3 business days prior to closing. Lender to also provide evidence of the rate lock and a revised LE issued within 3 business days of the rate lock date. - Due Diligence Vendor-12/22/2025 <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 $28.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/22/2025 <br>Open- - Due Diligence Vendor-12/22/2025 |  | Resolved-Missing TRID disclosures and details received, data entered, no additional compliance findings. - Due Diligence Vendor-12/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 847535_xxxxxx_Revised_LE_&_CIC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847535 | xxxxxx | D A | Closed | xxxxxx | 2025-12-22 10:00 | 2025-12-26 08:30 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Missing TRID disclosures and details received, data entered, no additional compliance findings. - Due Diligence Vendor-12/26/2025 <br>Resolved- - Due Diligence Vendor-12/26/2025 <br>Ready for Review-Document Uploaded. 12/23/25 - please see Initial LE - Due Diligence Vendor-12/24/2025 <br>Open-\*\*Findings are in relation to the delivery of the Initial Closing Disclosure at least 3 business days prior to closing. Lender to also provide evidence of the rate lock and a revised LE issued within 3 business days of the rate lock date. - Due Diligence Vendor-12/22/2025 <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-12/22/2025 <br>Open- - Due Diligence Vendor-12/22/2025 |  | Resolved-Missing TRID disclosures and details received, data entered, no additional compliance findings. - Due Diligence Vendor-12/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 847535_xxxxxx_Initial_LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847535 | xxxxxx | D A | Closed | xxxxxx | 2025-12-22 10:00 | 2025-12-26 08:30 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Missing TRID disclosures and details received, data entered, no additional compliance findings. - Due Diligence Vendor-12/26/2025 <br> Resolved- - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Document Uploaded. 12/23/25 - please see Initial CD and LE - Due Diligence Vendor-12/24/2025 <br> Open-\*\*Findings are in relation to the delivery of the Initial Closing Disclosure at least 3 business days prior to closing. Lender to also provide evidence of the rate lock and a revised LE issued within 3 business days of the rate lock date. - Due Diligence Vendor-12/22/2025 <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-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 |  | Resolved-Missing TRID disclosures and details received, data entered, no additional compliance findings. - Due Diligence Vendor-12/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 847535_xxxxxx_Initial_CD.pdf<br> 847535_xxxxxx_Initial_LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847535 | xxxxxx | D A | Closed | xxxxxx | 2025-12-19 11:58 | 2025-12-26 08:02 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/26/2025 <br>Ready for Review-Document Uploaded. 12/23/25 - please see form attached - Due Diligence Vendor-12/24/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-12/19/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 847535_xxxxxx_Homeownership_Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847535 | xxxxxx | D A | Closed | xxxxxx | 2025-12-19 11:59 | 2025-12-26 08:02 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/26/2025 <br>Ready for Review-Document Uploaded. 12/23/25 - please see Initial LE - Due Diligence Vendor-12/24/2025 <br>Open-Evidence of Rate Lock Missing Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-12/19/2025 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 847535_xxxxxx_Initial_LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847535 | xxxxxx | D A | Closed | xxxxxx | 2025-12-22 09:56 | 2025-12-26 08:02 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-12/26/2025 <br>Ready for Review-Document Uploaded. 12/23/25 - Please see Lender LOE that Lender does not have affiliated businesses. - Due Diligence Vendor-12/24/2025 <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-12/22/2025 |  | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-12/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 847535_xxxxxx_Affiliated_Business_Discloure_LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847535 | xxxxxx | D A | Closed | xxxxxx | 2025-12-19 07:30 | 2025-12-23 07:45 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. 12/22/25 - Please see xxxxxx underwriter's conditional approval. - Due Diligence Vendor-12/23/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/19/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 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 0.18<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review847535_xxxxxx_12_22_2025_55451_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847535 | xxxxxx | D A | Closed | xxxxxx | 2025-12-19 07:18 | 2025-12-23 07:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. 12/22/25 - Please see xxxxxx underwriter 12 months bank statement income calculation worksheet - Due Diligence Vendor-12/23/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/19/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review847535_xxxxxx_12_22_2025_55954_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847600 | xxxxxx | B A | Closed | xxxxxx | 2025-10-14 07:46 | 2025-10-24 13:32 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-Document Uploaded. 1008 provided. - Due Diligence Vendor-10/24/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/14/2025 |  | Resolved-Document Uploaded. 1008 provided. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 Years |  | 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847711 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-24 18:54 | 2025-10-29 12:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Insurance Policy Partially Provided | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. See attached flood insurance - Due Diligence Vendor-10/28/2025 <br>Open-Flood Insurance Policy Partially Provided - Due Diligence Vendor-10/24/2025 |  | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-10/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86.53 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 847711_xxxxxx_2023_complete_flood_dec_page_with_invoice.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847711 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-24 19:24 | 2025-10-24 19:24 | Waived | 2-Non-material A B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client granted exception with compensating factors. Audited CLTV of 75% exceeds Guideline CLTV of 70% LTV of 75% exceeds guideline max of 70% - Due Diligence Vendor-10/24/2025 |  | Waived-Client granted exception with compensating factors. Audited CLTV of 75% exceeds Guideline CLTV of 70% LTV of 75% exceeds guideline max of 70% - Due Diligence Vendor-10/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86.53 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | - DSCR > 1.15<br> - Experienced investor owns and manages 10 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 847711 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-24 19:24 | 2025-10-24 19:24 | Waived | 2-Non-material A B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client granted exception with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% LTV of 75% exceeds guideline max of 70% - Due Diligence Vendor-10/24/2025 |  | Waived-Client granted exception with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% LTV of 75% exceeds guideline max of 70% - Due Diligence Vendor-10/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86.53 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | - DSCR > 1.15<br> - Experienced investor owns and manages 10 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 847711 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-24 19:24 | 2025-10-24 19:24 | Waived | 2-Non-material A B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client granted exception with compensating factors. Audited HCLTV of 75% exceeds Guideline HCLTV of 70% LTV of 75% exceeds guideline max of 70% - Due Diligence Vendor-10/24/2025 |  | Waived-Client granted exception with compensating factors. Audited HCLTV of 75% exceeds Guideline HCLTV of 70% LTV of 75% exceeds guideline max of 70% - Due Diligence Vendor-10/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86.53 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | - DSCR > 1.15<br> - Experienced investor owns and manages 10 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 847781 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847946 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847952 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848012 | xxxxxx | D B C A | Closed | xxxxxx | 2025-10-03 10:33 | 2025-10-27 12:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: Audited LTV of 65.6% exceeds Guideline LTV of 65% - The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - DSCR > 1.3 - Due Diligence Vendor-10/27/2025 <br> Counter-The appraised value of xxxxxx was used in the calculation of the LTV, Audited LTV of 65.6% exceeds Guideline LTV of 65% Lender exception needed for cash out exceeding 65% - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. 10/24/25 - please see original appraisal dated xxxxxx by appraiser with appraised value of xxxxxx and used to obtain CDA secondary valuation. Please also see appraisal dated xxxxxx with an appraised value of xxxxxx containing appraiser commentaries that the submitted appraisal dated xxxxxx with valuation of xxxxxx contains typo. Please review and update valuation to xxxxxx as final value resulting in the excessive LTV for program. - Due Diligence Vendor-10/24/2025 <br> Counter-Audited LTV of 65.6% exceeds Guideline LTV of 65% Lender exception needed for cash out exceeding 65% based on xxxxxx desk review and xxxxxx review value. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. 10/9/25 - please see attached updated appraisal. Apparently wrong appraisal was uploaded with the closed loan package for your review. Correct appraisal should have value of xxxxxx for this unit. Please review to update your data.<br> Additional commentaries from Lender: Appraisal dated xxxxxx uploaded, page 12 shows an update requested on 8/4/2025 ((8-4-2025)There is no pending litigation in the subject property. - The appraiser included the STR form in the report.) We are confirming the CDA referenced 8/4/2025 because of the update of appraisal. - Due Diligence Vendor-10/09/2025 <br> Open-Audited LTV of 65.6% exceeds Guideline LTV of 65% Lender exception needed for cash out exceeding 65% based on xxxxxx desk review and xxxxxx review value. 1008 says appraisal is xxxxxx but no appraisal found for that amount. Appraisal in file is for xxxxxx. Or provide satisfactory appraisal of xxxxxx as mentioned. - Due Diligence Vendor-10/03/2025 |  | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: Audited LTV of 65.6% exceeds Guideline LTV of 65% - The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-10/27/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Compensating Factor 1 - Reserves exceed requirement by 10 months or more <br> Compensating Factor 2 - Credit Score 30+ points > minimum required <br> Compensating Factor 3 - DSCR > 1.3 | Full Review848012_xxxxxx_10_9_2025_10028_PM.zip<br> 848012_xxxxxx-V7_merged.pdf<br> 848012_xxxxxx-V3.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 848012 | xxxxxx | D B C A | Closed | xxxxxx | 2025-10-03 09:15 | 2025-10-07 07:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Mortgage Missing required ARM Rider | Resolved- - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Seller's ARM Rider is in their Note. Collateral team manager confirmed we can proceed without the ARM rider attached to the SI as long as ARM term is clearly defined w/in the Note. Please clear condition - Due Diligence Vendor-10/06/2025 <br>Open-Deed of Trust is Missing Adjustable Rate Rider Part of mortgage - Due Diligence Vendor-10/03/2025 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.64 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848178 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848220 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 02:26 | 2025-12-09 10:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. See attached flood cert - Due Diligence Vendor-12/08/2025 <br> Open-Missing Flood Certificate Flood Certificate missing in the loan file for the subject property: xxxxxx - Due Diligence Vendor-12/03/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/09/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.12% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | Full Review848220_xxxxxx_12_5_2025_24714_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848321 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-10 09:32 | 2025-09-26 14:10 | Waived | 2 - Non-Material C B | Credit | Income | DSCR is less than the guideline minimum | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: GUIDELINES REQUIRE TWO MONTHS PROOF OF RENT PAYMENTS RECEIVED IN ORDER TO USE THE LEASE AGREEMENT INCOME. REQUESTING THAT WE USE ONLY 1 MONTH RENT RECEIVED $20,500 + THE $10,000 SECURITY DEPOSIT for $30,500 TOTAL RECEIVED - TO COVER A TOTAL OF TWO MONTHS WORTH OF PITIA OF $26,628.72 - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Counter-Please provide approved Lender Exception as the one in the file does not address this condition. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-We have our own guideline signed exception for this please clear this condition - Seller-09/19/2025 <br> Counter-The TPR position here is that the $10K security deposit, in and of itself, doesnt constitute one month's rent. The larger problem is the amount. To be considered an additional month, the amount would need to be a full $20,500. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-The lease agreement reflects a short-term rental with lease start date of xxxxxx. A $10,000 security deposit and one month's rent of $20,500 were provided, which together satisfy the two-month rent requirement. Using short-term rental capped at 80% and 150% of actual rent, DSCR remains 1.23 - Seller-09/16/2025 <br> Counter-Document Uploaded. If unable to provided additional proof of rent payment then an approved exception is needed. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-<br> The lease agreement reflects a short-term rental with lease start date of xxxxxx. A $10,000 security deposit and one month's rent of $20,500 were provided, which together satisfy the two-month rent requirement. Using short-term rental capped at 80% and 150% of actual rent, DSCR remains 1.23<br> - Seller-09/11/2025 <br> Open-. DSCR for approval shows "Used the $16,500 or the 150% of estimated monthly market rent ($11000) from the Appraisal Report, DSCR is at 1.23." Per guidelines, to use 150% of the estimated rents two (2) months' proof of receipt of rents is verified. At the time of review the security deposit and one (1) months rents was provided and the 2 months requirement was not met. DSCR is based on the $11,000 only and is less than the minimum of 1 at 0.826. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Ready for Review-We have our own guideline signed exception for this please clear this condition - Seller-09/19/2025 <br> Ready for Review-The lease agreement reflects a short-term rental with lease start date of xxxxxx. A $10,000 security deposit and one month's rent of $20,500 were provided, which together satisfy the two-month rent requirement. Using short-term rental capped at 80% and 150% of actual rent, DSCR remains 1.23 - Seller-09/16/2025 <br> Ready for Review-<br> The lease agreement reflects a short-term rental with lease start date of xxxxxx. A $10,000 security deposit and one month's rent of $20,500 were provided, which together satisfy the two-month rent requirement. Using short-term rental capped at 80% and 150% of actual rent, DSCR remains 1.23<br> - Seller-09/11/2025 | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: GUIDELINES REQUIRE TWO MONTHS PROOF OF RENT PAYMENTS RECEIVED IN ORDER TO USE THE LEASE AGREEMENT INCOME. REQUESTING THAT WE USE ONLY 1 MONTH RENT RECEIVED $20,500 + THE $10,000 SECURITY DEPOSIT for $30,500 TOTAL RECEIVED - TO COVER A TOTAL OF TWO MONTHS WORTH OF PITIA OF $26,628.72 - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 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 15.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1. Fico score is 765<br> 2. DSCR 1.23<br> 3. Post closing reserves are 16.26 months which program requires 6 months<br> 4. Rental income amount is 150% of the market rent | xxxxxx_image002.png<br> EXCEPTION FORM (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 848321 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-10 09:10 | 2025-09-12 04:53 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-09/12/2025 <br>Ready for Review-Document Uploaded. - Seller-09/11/2025 <br>Open-. Provide final closing statement for the subject cash out refi. At the time of review, only the estimated statement was provided. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/11/2025<br>| Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-09/12/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 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 15.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | FINAL SS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848321 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-06 06:19 | 2025-09-10 08:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client granted exception with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 60% CURRENT LTV OF 75% EXCEEDS THE MAX ALLOWED OF 60% FOR NO PRIMARY RESIDENCE AND 70% ALLOWED FOR INTEREST ONLY PROGRAM - Due Diligence Vendor-09/06/2025 |  | Waived-Client granted exception with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 60% CURRENT LTV OF 75% EXCEEDS THE MAX ALLOWED OF 60% FOR NO PRIMARY RESIDENCE AND 70% ALLOWED FOR INTEREST ONLY PROGRAM - Due Diligence Vendor-09/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 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 15.68 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1. Fico score is 765 <br> 2. DSCR 1.23 <br> 3. Post closing reserves is 16.26 months which program requires 6 months  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 848456 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-02 14:06 | 2025-12-23 11:45 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-\*\*Received complete cure package. - Due Diligence Vendor-12/23/2025 <br> Resolved-\*\*Received complete cure package. - Due Diligence Vendor-12/23/2025 <br> Resolved- - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Please see attached corrected documents and check to borrower with tracking - Due Diligence Vendor-12/22/2025 <br> Counter-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $120.00.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). \*\*\*\*\*\*\*\*\*\*\*\*\*\*\* COC event detail provided for Appraisal charge increase from $550.00 disclosed in initial Loan Estimate increased to $600.00 in Final Closing Disclosure. xxxxxx ///// No evidence of valid change of circumstance event has been provided for Transfer Tax increase from $1,970.00 disclosed in initial Loan Estimate increased to $2,090.00 in Final Closing Disclosure. 0% tolerance cure in the amount of $120.00 is required. ~~~~~~~~~ Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Please see cure for the following. The following charges have been either added or increased: Appraisal charge increase from $550.00 disclosed in initial Loan Estimate increased to $600.00 in Final Closing Disclosure with no evidence to support the increase is due to new information rather than just being initially under-disclosed. 0% tolerance cure in the amount of $50.00 is required. <br> Please separate each tolerance violation. - Due Diligence Vendor-12/11/2025 <br> Counter-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $170.00.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). Documentation is insufficient to support a valid COC event(s). -------The following charges have been either added or increased: Appraisal charge increase from $550.00 disclosed in initial Loan Estimate increased to $600.00 in Final Closing Disclosure, with no evidence to support the increase is due to new information rather than just being initially under-disclosed. 0% tolerance cure in the amount of $50.00 is required. ///// additionally Transfer Tax increase from $1,970.00 disclosed in initial Loan Estimate increased to $2,090.00 in Final Closing Disclosure, there is no change to loan amount or vesting. 0% tolerance cure in the amount of $120.00 is required. ~~~~~~~~~ Total of 0% tolerance violations = $170.00. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Please see attached Loan Estimate and Change of Circumstance. - Due Diligence Vendor-12/08/2025 <br> Open-\*\*\*\*\*\* The following charges have been either added or increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of $120. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $120 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 |  | Cured-\*\*Received complete cure package. - Due Diligence Vendor-12/23/2025 <br>Resolved-\*\*Received complete cure package. - Due Diligence Vendor-12/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.2% 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 735 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 70.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>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 - 16.05 Years |  | Full Review848456_xxxxxx_12_5_2025_35840_PM.zip<br> Full Review848456_xxxxxx_12_18_2025_33738_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848456 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-02 14:06 | 2025-12-23 11:44 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-\*\*Received complete cure package. - Due Diligence Vendor-12/23/2025 <br>Resolved-\*\*Received complete cure package. - Due Diligence Vendor-12/23/2025 <br>Resolved- - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. Please see attached corrected documents and check to borrower with tracking - Due Diligence Vendor-12/22/2025 <br>Counter-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* COC event detail provided for Appraisal charge increase from $550.00 disclosed in initial Loan Estimate increased to $600.00 in Final Closing Disclosure. xxxxxx ///// No evidence of valid change of circumstance event has been provided for Transfer Tax increase from $1,970.00 disclosed in initial Loan Estimate increased to $2,090.00 in Final Closing Disclosure. 0% tolerance cure in the amount of $120.00 is required. ~~~~~~~~~ Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 <br>Counter-Documentation is insufficient to support a valid COC event(s). -------The following charges have been either added or increased: Appraisal charge increase from $550.00 disclosed in initial Loan Estimate increased to $600.00 in Final Closing Disclosure, with no evidence to support the increase is due to new information rather than just being initially under-disclosed. 0% tolerance cure in the amount of $50.00 is required. ///// additionally Transfer Tax increase from $1,970.00 disclosed in initial Loan Estimate increased to $2,090.00 in Final Closing Disclosure, there is no change to loan amount or vesting. 0% tolerance cure in the amount of $120.00 is required. ~~~~~~~~~ Total of 0% tolerance violations = $170.00. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Please see attached Loan Estimate and Change of Circumstance. - Due Diligence Vendor-12/08/2025 <br>Open-\*\*\*\*\*\* Finding in relation to \*\*\*\*\*\* The following charges have been either added or increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of $120. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $120 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/02/2025 <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-12/02/2025 <br>Open- - Due Diligence Vendor-12/02/2025 |  | Cured-\*\*Received complete cure package. - Due Diligence Vendor-12/23/2025 <br>Resolved-\*\*Received complete cure package. - Due Diligence Vendor-12/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.2% 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 735 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 70.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>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 - 16.05 Years |  | Full Review848456_xxxxxx_12_5_2025_35628_PM.zip<br> Full Review848456_xxxxxx_12_18_2025_33622_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848456 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-02 14:06 | 2025-12-23 11:44 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received complete cure package. - Due Diligence Vendor-12/23/2025 <br>Resolved- - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. Please see attached corrected documents and check to borrower with tracking - Due Diligence Vendor-12/22/2025 <br>Counter-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* COC event detail provided for Appraisal charge increase from $550.00 disclosed in initial Loan Estimate increased to $600.00 in Final Closing Disclosure. xxxxxx ///// No evidence of valid change of circumstance event has been provided for Transfer Tax increase from $1,970.00 disclosed in initial Loan Estimate increased to $2,090.00 in Final Closing Disclosure. 0% tolerance cure in the amount of $120.00 is required. ~~~~~~~~~ Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 <br>Counter-Documentation is insufficient to support a valid COC event(s). -------The following charges have been either added or increased: Appraisal charge increase from $550.00 disclosed in initial Loan Estimate increased to $600.00 in Final Closing Disclosure, with no evidence to support the increase is due to new information rather than just being initially under-disclosed. 0% tolerance cure in the amount of $50.00 is required. ///// additionally Transfer Tax increase from $1,970.00 disclosed in initial Loan Estimate increased to $2,090.00 in Final Closing Disclosure, there is no change to loan amount or vesting. 0% tolerance cure in the amount of $120.00 is required. ~~~~~~~~~ Total of 0% tolerance violations = $170.00. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Please see attached Loan Estimate and Change of Circumstance. - Due Diligence Vendor-12/08/2025 <br>Open-\*\*\*\*\*\* Finding in relation to \*\*\*\*\*\* The following charges have been either added or increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of $120. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $120 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/02/2025 <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-12/02/2025 <br>Open- - Due Diligence Vendor-12/02/2025 |  | Resolved-\*\*Received complete cure package. - Due Diligence Vendor-12/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.2% 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 735 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 70.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>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 - 16.05 Years |  | Full Review848456_xxxxxx_12_5_2025_35840_PM.zip<br> Full Review848456_xxxxxx_12_18_2025_33343_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848456 | xxxxxx | D B C A | Closed | xxxxxx | 2025-11-28 03:06 | 2025-12-09 10:04 | 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-12/09/2025 <br>Ready for Review-Document Uploaded. Please see attached credit report. - Due Diligence Vendor-12/08/2025 <br>Open-Borrower 1 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing for borrower 1 & borrower 2. - Due Diligence Vendor-11/28/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/09/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.2% 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 735 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 70.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>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 - 16.05 Years |  | Full Review848456_xxxxxx_12_5_2025_35338_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848456 | xxxxxx | D B C A | Closed | xxxxxx | 2025-11-28 03:06 | 2025-12-02 12:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client granted exception with compensating factors. Housing History Does Not Meet Guideline Requirements Approved exception was found on page #1644<br>Exception approved. Granted By xxxxxx<br> Housing history, Additional Detail: Not able to provide the mortgage history on subject property<br>- Due Diligence Vendor-11/28/2025 |  | Waived-Client granted exception with compensating factors. Housing History Does Not Meet Guideline Requirements Approved exception was found on page #1644<br>Exception approved. Granted By xxxxxx<br> Housing history, Additional Detail: Not able to provide the mortgage history on subject property<br>- Due Diligence Vendor-11/28/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.2% 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 735 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 70.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br> 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 - 16.05 Years | Compensating Factor: Low LTV 22.083 Low DTI 28.231 File is really an rate and term to payoff lien credit has closed HELOC from 2007 - 2017 always paid on time (prior<br> home) credit has closed mtge from xxxxxx always paid on time (prior home) credit has closed mtge from xxxxxx always paid on time (prior home) file has a<br> condition for housing payment history/Note/mortgage statement that has been updated to "Since not able to verify the most recent 12 month mortgage history will need to<br> see if an exception can be granted for it" we provided he terms of the lien the borrower received through xxxxxx. I have called them and the title/escrow company that<br> handled the closing and they both confirmed there is no Note for this. The existing lien is not a mortgage loan, there is no monthly payment. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 848522 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848527 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848543 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848555 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 848635 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-09 23:07 | 2025-12-31 10:38 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/31/2025 <br> Resolved- - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Attached are a $40 refund check, Post CD, LOX and envelope to Borrower - Due Diligence Vendor-12/31/2025 <br> Counter-Documentation provided is insufficient to establish a valid change of circumstance event pursuant to § 1026.19(e)(3)(iv) or that the xxxxxx disclosed date was within 3 business days of receiving information sufficient to establish a changed circumstance. 0% tolerance cure in the amount of $40.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Attached are the two 1 Days COC/CD's - Due Diligence Vendor-12/17/2025 <br> Counter-\*\* is appears the PIN Certification to xxxxxx County Treasurer charge should have been a charge known to lender and disclosed to borrower in the Initial Loan Estimate. TPR unable to identify a change of circumstance event or timing baseline for the addition of this charge on xxxxxx. Please provide details of the change of circumstance event pursuant to § 1026.19(e)(3)(iv), and within 3 days of the xxxxxx disclosure, or 0% tolerance cure in the amount of $40.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/17/2025 <br> Open-The following charges have been either added or increased (Transfer taxes) resulting in a 0% tolerance cure in the amount of $40. Please provide COC event details dated within 3 days of additional/increased charges. tolerance cure in the amount of 40 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <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 $40.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Initial LE dated xxxxxx reflects Transfer Taxes $3750.00 however, Final CD dated xxxxxx reflects the Transfer Taxes $3790.00 . The fee ($40) has been increased for Transfer Taxes which exceeds the 0% tolerance. Required valid COC or cure amount of $40. - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 |  | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/31/2025<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 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review848635_xxxxxx_12_16_2025_11332_PM.zip<br> Full Review848635_xxxxxx_12_30_2025_105602_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848635 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-09 23:07 | 2025-12-31 10:38 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/31/2025 <br> Resolved- - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Attached are a $40 refund check, Post CD, LOX and envelope to Borrower - Due Diligence Vendor-12/31/2025 <br> Counter-\*\* is appears the PIN Certification to xxxxxx County Treasurer charge should have been a charge known to lender and disclosed to borrower in the Initial Loan Estimate. TPR unable to identify a change of circumstance event or timing baseline for the addition of this charge on xxxxxx. Please provide details of the change of circumstance event pursuant to § 1026.19(e)(3)(iv), and within 3 days of the xxxxxx disclosure, or 0% tolerance cure in the amount of $40.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Attached are the two 1 Days COC/CD's - Due Diligence Vendor-12/16/2025 <br> Open-The following charges have been either added or increased (Transfer taxes) resulting in a 0% tolerance cure in the amount of $40. Please provide COC event details dated within 3 days of additional/increased charges. tolerance cure in the amount of 40 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <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. - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 |  | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/31/2025<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 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review848635_xxxxxx_12_16_2025_11248_PM.zip<br> Full Review848635_xxxxxx_12_30_2025_105509_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848635 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-09 23:07 | 2025-12-31 10:38 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/31/2025 <br> Resolved- - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Attached are a $40 refund check, Post CD, LOX and envelope to Borrower - Due Diligence Vendor-12/31/2025 <br> Counter-Documentation provided is insufficient to establish a valid change of circumstance event pursuant to § 1026.19(e)(3)(iv) or that the xxxxxx disclosed date was within 3 business days of receiving information sufficient to establish a changed circumstance. 0% tolerance cure in the amount of $40.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Attached are the two 1 Days COC/CD's - Due Diligence Vendor-12/17/2025 <br> Counter-\*\* is appears the PIN Certification to xxxxxx County Treasurer charge should have been a charge known to lender and disclosed to borrower in the Initial Loan Estimate. TPR unable to identify a change of circumstance event or timing baseline for the addition of this charge on xxxxxx. Please provide details of the change of circumstance event pursuant to § 1026.19(e)(3)(iv), and within 3 days of the xxxxxx disclosure, or 0% tolerance cure in the amount of $40.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/17/2025 <br> Open-The following charges have been either added or increased (Transfer taxes) resulting in a 0% tolerance cure in the amount of $40. Please provide COC event details dated within 3 days of additional/increased charges. tolerance cure in the amount of 40 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <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. - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 |  | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/31/2025<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 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review848635_xxxxxx_12_16_2025_11332_PM.zip<br> Full Review848635_xxxxxx_12_30_2025_105637_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848635 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-10 08:04 | 2025-12-24 08:08 | Resolved | 1 - Information C A | Compliance | Closing Package | Mortgage not properly executed | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. Resigned Mortgage including Spouse - Due Diligence Vendor-12/23/2025 <br>Open-Missing evidence that non borrowing spouse signed mortgage. - Due Diligence Vendor-12/10/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/24/2025<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 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review848635_xxxxxx_12_22_2025_43213_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848635 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-10 08:52 | 2025-12-13 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-12/13/2025 <br> Ready for Review-Document Uploaded. Please see letter - Due Diligence Vendor-12/12/2025 <br> Open-Borrower 1 CPA Letter Missing Missing CPA or PTIN letter from xxxxxx Verification of xxxxxx PTIN status already in file. - Due Diligence Vendor-12/10/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-12/13/2025<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 0.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 848635_xxxxxx_CPA_letter_27_per_cent_expense_ratio.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848683 | xxxxxx | D A | Closed | xxxxxx | 2025-11-24 11:13 | 2025-12-08 08:42 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Lender issued attorney preference has not been provided, However, the borrower elected attorney has been indicated in page 5 of the REPC dated prior to loan application. (pg 357) - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Can you please confirm which documents you are needing? I'm a little confused with the condition details and condition information. Please advise. I've uploaded the initial CD all pages just in case - xxxxxx. - Due Diligence Vendor-12/08/2025 <br>Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-11/24/2025 |  | Resolved-Lender issued attorney preference has not been provided, However, the borrower elected attorney has been indicated in page 5 of the REPC dated prior to loan application. (pg 357) - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 809 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 - Validated Calculated DTI Of 23.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 13.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 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 - 17.00 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 0.09 |  | Full Review848683_xxxxxx_12_5_2025_114949_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848702 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848760 | xxxxxx | D A | Closed | xxxxxx | 2025-10-30 16:51 | 2025-12-11 13:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement (escrowed) provided. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Please see attached mortgage statement for xxxxxx - Due Diligence Vendor-12/10/2025 <br> Counter-The condition is for the "1st Lien mortgage statement" for the Primary residence located at xxxxxx - the 1008 & 1003 reflects xxxxxx iao $1645.00 per month. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-12/01/2025 <br> Counter-Document Uploaded. Provided Mortgage statement for Primary Residence located at xxxxxx (1st Lien) with xxxxxx iao $1645.00 per month. If not escrowed, Provide Tax, HOI - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached documentation - Due Diligence Vendor-11/18/2025 <br> Counter-The condition is requesting the Mortgages statements for the "Primary Residence" to verify the Full PITIA, If not escrowed, Provide Tax, HOI & HOA (if applicable) - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/09/2025 <br> Open-Mortgage statement is missing for xxxxxx xxxxxx to confirm primary residence mtg payment includes escrow. - Due Diligence Vendor-10/30/2025 |  | Resolved-Mortgage statement (escrowed) provided. - Due Diligence Vendor-12/11/2025<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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.04 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 - 25.50 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.53 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 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 34.26% 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 0.14 |  | 848760_xxxxxx.pdf<br> 848760_xxxxxx_LOE_1.pdf<br> Screenshot 2025-11-19 123256.jpg<br> Full Review848760_xxxxxx_12_1_2025_102314_AM.zip<br> Full Review848760_xxxxxx_12_9_2025_114944_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848760 | xxxxxx | D A | Closed | xxxxxx | 2025-10-30 06:47 | 2025-11-19 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached documentation - Due Diligence Vendor-11/18/2025 <br> Counter-Tax, HOI & HOA (if applicable) is missing for xxxxxx - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-11/09/2025 <br> Open-HOA/Tax/Insure is missing for xxxxxx - Due Diligence Vendor-10/30/2025 |  | Resolved-REO documents provided. - Due Diligence Vendor-11/19/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.04 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 - 25.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.53 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 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 34.26% 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 0.14 |  | 848760_xxxxxx.pdf<br> 848760_xxxxxx.pdf<br> 848760_xxxxxx property_report_2468.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848774 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848795 | xxxxxx | D A | Closed | xxxxxx | 2025-10-15 09:47 | 2025-11-13 08:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Corrected Note provided, No longer an I/O - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. Please see copy of note - Due Diligence Vendor-11/12/2025 <br>Open-Loan Term and Amortization Term do not match. Note fails to indicate the terms of the interest only period. Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds $0.01). Disclosed initial payment of $1,253.73 reflects as fully amortized payment amount which does not match what an interest payment of $1,130.21 would be. - Due Diligence Vendor-10/15/2025 |  | Resolved-Corrected Note provided, No longer an I/O - Due Diligence Vendor-11/13/2025<br>|  |  | 848795_xxxxxx_note.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848795 | xxxxxx | D A | Closed | xxxxxx | 2025-10-15 09:47 | 2025-11-13 08:00 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-Corrected B2 1003 provided - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. Please see 1003 - Due Diligence Vendor-11/12/2025 <br> Open-Per 1003 section 4a, B2 (xxxxxx) indicates subject property to be an investment property. Section 5a reflects B2 to occupy as Primary Residence. - Due Diligence Vendor-10/15/2025 |  | Resolved-Corrected B2 1003 provided - Due Diligence Vendor-11/13/2025<br>|  |  | 848795_xxxxxx_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848802 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848803 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848924 | xxxxxx | C A | Closed | xxxxxx | 2025-10-23 10:04 | 2025-10-27 13:31 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Property report & Mortgage statement provided, Mortgage Lien is in the Spouses name only. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. Please see attached verifying xxxxxx in wife's name. - Due Diligence Vendor-10/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide verification of housing payment for bwr primary home at xxxxxx (2.8.2.3 HOUSING HISTORY) Housing history for the DSCR Doc type is required for the borrower's primary residence and the subject property if a refinance transaction. - Due Diligence Vendor-10/23/2025 |  | Resolved-Property report & Mortgage statement provided, Mortgage Lien is in the Spouses name only. - Due Diligence Vendor-10/27/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 848924_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848928 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848944 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848975 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849037 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 849038 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849120 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 849126 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 849135 | xxxxxx | D A | Closed | xxxxxx | 2025-11-21 06:57 | 2025-12-01 13:56 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-12/01/2025 <br>Open-Missing pages 2,3,4,5 of FCD. Pages 1 and 6 or signature pages only ones in file. - Due Diligence Vendor-11/21/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/01/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.97% 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 - 20.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review849135_xxxxxx_12_1_2025_101123_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849136 | xxxxxx | D A | Closed | xxxxxx | 2025-11-11 10:12 | 2025-11-18 14:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved- - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. Please see the Mortgage with the PPP Rider. xxxxxx! - Due Diligence Vendor-11/17/2025 <br>Open-Prepayment Rider & Prepayment addendum is Missing. - Due Diligence Vendor-11/11/2025 |  |  | 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 - 19.53 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 - 19.53 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 - 19.53 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.37% 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 47.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | 849136_xxxxxx_w-Rider_2.pdf<br> 849136_xxxxxx_w-Rider.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849136 | xxxxxx | D A | Closed | xxxxxx | 2025-11-12 09:03 | 2025-11-18 14:49 | Resolved | 1 - Information C A | Compliance | Closing Package | Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty | Resolved- - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. Please see the Prepayment Addendum to Note. xxxxxx! - Due Diligence Vendor-11/17/2025 <br>Open-Missing Prepayment addendum to Note - Due Diligence Vendor-11/12/2025 |  |  | 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 - 19.53 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 - 19.53 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 - 19.53 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.37% 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 47.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | 849136_xxxxxx_Prepayment_to_Note.pdf<br> 849136_xxxxxx_Prepayment_to_Note_2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849266 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-19 00:18 | 2025-12-01 14:15 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-All missing TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-12/01/2025 <br> Ready for Review- - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Attaching interim CDs xxxxxx - Due Diligence Vendor-12/01/2025 <br> Open-\*\*\*\*\*\*\*Closing date is xxxxxx. Original file appears to be missing the Initial CD issued at least 3 business days prior to closing. Lender to provide a copy of the Initial CD with evidence of delivery to the borrower. CD dated xxxxxx documents are not available in the package within 3 Business days of the COC dates verified from page 278.<br> - Due Diligence Vendor-11/19/2025 |  | Resolved-All missing TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-12/01/2025<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 - 18.37 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 - 18.37 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 - 18.37 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19 Years |  | Full Review849266_xxxxxx_12_1_2025_102948_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849266 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-18 10:16 | 2025-11-21 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. Please see bank statement review - Due Diligence Vendor-11/21/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-11/18/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/21/2025<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 - 18.37 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 - 18.37 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 - 18.37 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19 Years |  | Full Review849266_xxxxxx_11_20_2025_14804_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849272 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849385 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849392 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849404 | xxxxxx | B A | Closed | xxxxxx | 2025-10-23 12:30 | 2025-10-29 13:44 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/28/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/23/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 736 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 187.18 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 40 Years |  | xxxxxx 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849408 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 849506 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849522 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849536 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849546 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849584 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849596 | xxxxxx | B A | Closed | xxxxxx | 2025-11-20 08:31 | 2025-11-24 14:13 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved- - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. Please see attached Underwriter Approval / Summary. - Due Diligence Vendor-11/24/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/20/2025 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.92% 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 81.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review849596_xxxxxx_11_24_2025_101719_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849596 | xxxxxx | B A | Closed | xxxxxx | 2025-11-20 17:59 | 2025-11-20 17:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Property has been listed for sale in the past six months | Waived-Client granted exception with compensating factors. Lender exception for only 1 year prepay penalty instead of 3 years for listing within past 6 months. - Due Diligence Vendor-11/20/2025 |  | Waived-Client granted exception with compensating factors. Lender exception for only 1 year prepay penalty instead of 3 years for listing within past 6 months. - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.92% 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 81.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | LTV 10% less than max<br> Credit score 30+ above minimum |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 849623 | xxxxxx | B A | Closed | xxxxxx | 2025-10-22 12:28 | 2025-10-22 12:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client granted exception with compensating factors. Housing History Does Not Meet Guideline Requirements Allow an experienced investor living rent free - Due Diligence Vendor-10/22/2025 |  | Waived-Client granted exception with compensating factors. Housing History Does Not Meet Guideline Requirements Allow an experienced investor living rent free - Due Diligence Vendor-10/22/2025<br>| Experienced real estate investor - Borrower has long term investment property and management experience<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.83 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | DSCR > 1.3 <br> Experienced investor owns and manages 5 or more properties for 12 months<br> Subject property home ownership > 10 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 849628 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849639 | xxxxxx | C A | Closed | xxxxxx | 2025-11-26 15:33 | 2025-11-28 12:07 | Resolved | 1 - Information C A | Compliance | QM-ATR | Originator QM Designation Differs From Final QM Status | Resolved-Originator QM Designation Of Non-QM: Lender documented all ATR UW factors Matches Final QM Status Of Non-QM: Lender documented all ATR UW factors - Due Diligence Vendor-11/28/2025 <br>Open-Originator QM Designation Of Non-QM: Lender documented all ATR UW factors Differs From Final QM Status Of ATR/QM: Not Applicable - Due Diligence Vendor-11/26/2025 |  | Resolved-Originator QM Designation Of Non-QM: Lender documented all ATR UW factors Matches Final QM Status Of Non-QM: Lender documented all ATR UW factors - Due Diligence Vendor-11/28/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.88% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 57.88% 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 144.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 144.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45.7% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More Calculated DTI Of 45.7% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849645 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849697 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 849709 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849710 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 849815 | xxxxxx | D A | Closed | xxxxxx | 2025-11-13 10:42 | 2025-12-05 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. Please see attached documentation - Due Diligence Vendor-12/04/2025 <br>Open-Borrower 1 CPA Letter Missing per guidelines 2.8.6.1.1- • Income and expense documentation must be prepared or validated by an acceptable Third party source with knowledge of the borrower's business. <br> - Due Diligence Vendor-11/13/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-12/05/2025<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 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 149.95 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | Full Review849815_xxxxxx_12_3_2025_44249_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849815 | xxxxxx | D A | Closed | xxxxxx | 2025-11-13 10:42 | 2025-12-05 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/05/2025 <br>Resolved-B/S Income worksheet provided. - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. Please see bank statement review - Due Diligence Vendor-11/19/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-11/13/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/05/2025 <br>Resolved-B/S Income worksheet provided. - Due Diligence Vendor-11/19/2025<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 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 149.95 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More | missing lender worksheet- only have partial worksheet, missing pages that show bank statements and excluded deposits. | Full Review849815_xxxxxx_11_18_2025_15739_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849823 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849844 | xxxxxx | D A | Closed | xxxxxx | 2025-10-15 16:24 | 2025-10-17 08:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/16/2025 <br>Open-Missing settlement statement from closing for subject property. - Due Diligence Vendor-10/15/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-10/17/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 111.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | final signed cd xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849846 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849918 | xxxxxx | B A | Closed | xxxxxx | 2025-10-09 05:58 | 2025-10-15 14:40 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/14/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/09/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/15/2025<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>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 700 By Twenty (20) or More Points |  | xxxxxx 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849930 | xxxxxx | B A | Closed | xxxxxx | 2025-12-02 03:39 | 2025-12-03 11:46 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client granted exception with compensating factors. Income and Employment Do Not Meet Guidelines Bank account used for income changed from xxxxxx<br> to xxxxxx. - Due Diligence Vendor-12/02/2025 |  | Waived-Client granted exception with compensating factors. Income and Employment Do Not Meet Guidelines Bank account used for income changed from xxxxxx<br> to xxxxxx. - Due Diligence Vendor-12/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Credit Score 30+ points > minimum required<br> Residual income more than 2.5x the amount required by guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 849940 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 849943 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 849947 | xxxxxx | D A | Closed | xxxxxx | 2025-10-19 23:29 | 2025-10-24 13:09 | 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-10/24/2025 <br>Ready for Review-Document Uploaded. See attached fraud report - Due Diligence Vendor-10/23/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/20/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 93.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More |  | Full Review849947_xxxxxx_10_22_2025_53349_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849985 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-13 09:08 | 2025-11-17 21:22 | Waived | 2 - Non-Material C B | Credit | Income | DSCR is less than the guideline minimum | Waived-Client granted exception with compensating factors. Client waived DSCR below 1.25 with compensating factors. - Due Diligence Vendor-11/18/2025 <br>Open-Exception in file approved by lender allowing a DSCR under the allowed 1.25 due to loan amount being under $150k. - Due Diligence Vendor-11/13/2025 |  | Waived-Client granted exception with compensating factors. Client waived DSCR below 1.25 with compensating factors. - Due Diligence Vendor-11/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.67% Is Below The Guideline Maximum Of 65% 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 - 28.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 849985 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-13 08:37 | 2025-11-13 08:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Property | Waived-Client granted exception with compensating factors. Lender approved exception approved for subject being a xxxxxx subject with an unsupported ADU comps as they are not prominent in the area making the subject a "xxxxxx". - Due Diligence Vendor-11/13/2025 |  | Waived-Client granted exception with compensating factors. Lender approved exception approved for subject being a xxxxxx subject with an unsupported ADU comps as they are not prominent in the area making the subject a "xxxxxx". - Due Diligence Vendor-11/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.67% Is Below The Guideline Maximum Of 65% 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 - 28.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850021 | xxxxxx | B A | Closed | xxxxxx | 2025-10-23 11:02 | 2025-10-29 13:40 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/28/2025 <br>Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-10/23/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 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 213.56 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.50 Years |  | xxxxxx 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850061 | xxxxxx | C A | Closed | xxxxxx | 2025-10-22 16:37 | 2025-10-30 09:31 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Asset 1 Not Expired - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-10/29/2025 <br> Open-Asset 1 Expired: Retirement Funds xxxxxx xxxxxx $64,953.00 <br> - Due Diligence Vendor-10/22/2025 |  | Resolved-Asset 1 Not Expired - Due Diligence Vendor-10/30/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.58 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 850061_xxxxxx_bank_statement_for_July_31,_2025.pdf<br> 850061_xxxxxx_bank_statement_for_Sept_2024_to_verify_EMD.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850091 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850094 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850136 | xxxxxx | D A | Closed | xxxxxx | 2025-11-11 04:30 | 2025-12-08 09:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved- - Due Diligence Vendor-12/08/2025 <br> Counter-Document Uploaded. Received email request to requalify without the rental income for REO xxxxxx - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. / Document to be uploaded to loan 852619 - Due Diligence Vendor-12/08/2025 <br> Counter-Lease agreement does not support or verify the monthly rental income of $1,487.55 being used for xxxxxx - Is this Property a Short term rental? - Due Diligence Vendor-12/08/2025 <br> Counter-Lease agreement does not support or verify the monthly rental income of $1,487.55 being used for xxxxxx - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please see lease - Due Diligence Vendor-12/02/2025 <br> Open-Provide Lease Agreement for the REO Property xxxxxx. - Due Diligence Vendor-11/11/2025 |  |  | 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 - 20.00 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 - 17.76 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.78 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review850136_xxxxxx_12_2_2025_93909_AM.zip<br> RE_ 852619.msg<br> RE_ 850136.msg | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850136 | xxxxxx | D A | Closed | xxxxxx | 2025-11-11 03:05 | 2025-12-08 09:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. Please see bank statement worksheet - Due Diligence Vendor-11/18/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Provide Lender Income worksheets - Due Diligence Vendor-11/11/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/19/2025<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 - 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 - 17.76 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.78 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review850136_xxxxxx_11_18_2025_123406_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850140 | xxxxxx | D B C A | Closed | xxxxxx | 2025-10-27 17:04 | 2025-12-02 14:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Updated CPA letter provided. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Counter-Please provide lender exception that additional industry information is not needed. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-CPA clearly states she is sole owner she doesnt need a license and he is not willing to offer more information CPA states this is not needed - Seller-11/25/2025 <br> Counter-CPA letter provided has already been received several times. Looking for additional LOE or other information further defining "xxxxxx" - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. - Seller-11/21/2025 <br> Counter-Document Uploaded. The CPA letter just stating "xxxxxx" does not describe the nature of a "xxxxxx" - Provided additional explanation describing the nature of a xxxxxx and business cash flow to determine expenses are reasonable. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Expenses on the P& L must be reasonable for the industry, Lender reserve the right to require additional information. A letter of explanation describing the nature of a xxxxxx and business cash flow to determine expenses are reasonable. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Ready for Review-CPA clearly states she is sole owner she doesnt need a license and he is not willing to offer more information CPA states this is not needed - Seller-11/25/2025 <br>Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Updated CPA letter provided. - Due Diligence Vendor-12/02/2025<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 - 13.66 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.51% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | CPA LETTER.pdf<br> Screenshot 2025-10-31 111939.jpg<br> EA Letter xxxxxx.pdf<br> Updated CPA Letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850140 | xxxxxx | D B C A | Closed | xxxxxx | 2025-10-27 17:00 | 2025-10-31 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement provided (escrowed) - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Missing mortgage statement for xxxxxx new loan per settlement statement page 762. Borrower was qualified using previous mortgage payment (xxxxxx mtg). - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Mortgage statement provided (escrowed) - Due Diligence Vendor-10/31/2025<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 - 13.66 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.51% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | MTG STATEMENTS (xxxxxx).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850140 | xxxxxx | D B C A | Closed | xxxxxx | 2025-10-24 12:41 | 2025-10-31 11:22 | 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-10/31/2025 <br>Ready for Review-Document Uploaded. - Seller-10/29/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/31/2025<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 - 13.66 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.51% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | ADV-120 REPORT - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850140 | xxxxxx | D B C A | Closed | xxxxxx | 2025-10-24 16:14 | 2025-10-30 10:01 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD & PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. - Seller-10/29/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial closing disclosure . ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-ICD & PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/30/2025<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 - 13.66 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.51% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | VERIFICATION OF RECEIPT OF CD 2.pdf<br>REVISED FINAL CLOSING DISCLOSURE.pdf<br>VERIFICATION OF RECEIPT OF CD 1.pdf<br>VERIFICATION OF RECEIPT OF CD.pdf<br>LOCK IN CONFIRMATION.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850140 | xxxxxx | D B C A | Closed | xxxxxx | 2025-10-24 15:37 | 2025-10-24 15:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client granted exception with compensating factors. Audited CLTV of 80% exceeds Guideline CLTV of 75% Exception to allow the use of 100% gift funds with LTV of 80%. As per guidelines, maximum LTV allowed is 75% and borrower must meet reserves' requirements. <br> Exception for borrower does not have 10% applicant contribution. As per guidelines, 10% applicant contribution is required for first time home buyer. - Due Diligence Vendor-10/24/2025 |  | Waived-Client granted exception with compensating factors. Audited CLTV of 80% exceeds Guideline CLTV of 75% Exception to allow the use of 100% gift funds with LTV of 80%. As per guidelines, maximum LTV allowed is 75% and borrower must meet reserves' requirements. <br> Exception for borrower does not have 10% applicant contribution. As per guidelines, 10% applicant contribution is required for first time home buyer. - Due Diligence Vendor-10/24/2025<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 - 13.66 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.51% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 | 1. Low DTI 30.603% <br> 2. Payment 134.068% does not exceed 300% <br> 3. FICO of 780 is 120 points higher than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850140 | xxxxxx | D B C A | Closed | xxxxxx | 2025-10-24 15:37 | 2025-10-24 15:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client granted exception with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% Exception to allow the use of 100% gift funds with LTV of 80%. As per guidelines, maximum LTV allowed is 75% and borrower must meet reserves' requirements. <br> Exception for borrower does not have 10% applicant contribution. As per guidelines, 10% applicant contribution is required for first time home buyer. - Due Diligence Vendor-10/24/2025 |  | Waived-Client granted exception with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% Exception to allow the use of 100% gift funds with LTV of 80%. As per guidelines, maximum LTV allowed is 75% and borrower must meet reserves' requirements. <br> Exception for borrower does not have 10% applicant contribution. As per guidelines, 10% applicant contribution is required for first time home buyer. - Due Diligence Vendor-10/24/2025<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 - 13.66 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.51% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 | 1. Low DTI 30.603% <br> 2. Payment 134.068% does not exceed 300% <br> 3. FICO of 780 is 120 points higher than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850140 | xxxxxx | D B C A | Closed | xxxxxx | 2025-10-24 15:37 | 2025-10-24 15:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client granted exception with compensating factors. Audited HCLTV of 80% exceeds Guideline HCLTV of 75% Exception to allow the use of 100% gift funds with LTV of 80%. As per guidelines, maximum LTV allowed is 75% and borrower must meet reserves' requirements. <br> Exception for borrower does not have 10% applicant contribution. As per guidelines, 10% applicant contribution is required for first time home buyer. - Due Diligence Vendor-10/24/2025 |  | Waived-Client granted exception with compensating factors. Audited HCLTV of 80% exceeds Guideline HCLTV of 75% Exception to allow the use of 100% gift funds with LTV of 80%. As per guidelines, maximum LTV allowed is 75% and borrower must meet reserves' requirements. <br> Exception for borrower does not have 10% applicant contribution. As per guidelines, 10% applicant contribution is required for first time home buyer. - Due Diligence Vendor-10/24/2025<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 - 13.66 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.51% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 | 1. Low DTI 30.603% <br> 2. Payment 134.068% does not exceed 300% <br> 3. FICO of 780 is 120 points higher than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850140 | xxxxxx | D B C A | Closed | xxxxxx | 2025-10-24 14:50 | 2025-10-24 14:50 | Waived | 2 - Non-Material B | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Waived-Client granted exception with compensating factors. Asset 1 Does Not Meet Guideline Requirements Exception to allow the use of 100% gift funds with LTV of 80%. As per guidelines, maximum LTV allowed is 75% and borrower must meet reserves' requirements. - Due Diligence Vendor-10/24/2025 |  | Waived-Client granted exception with compensating factors. Asset 1 Does Not Meet Guideline Requirements Exception to allow the use of 100% gift funds with LTV of 80%. As per guidelines, maximum LTV allowed is 75% and borrower must meet reserves' requirements. - Due Diligence Vendor-10/24/2025<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 - 13.66 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.51% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 | 1. Low DTI 30.603% <br> 2. Payment 134.068% does not exceed 300% <br> 3. FICO of 780 is 120 points higher than minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850142 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-03 06:58 | 2025-11-24 09:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA/HOI statement received. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. - Seller-11/21/2025 <br> Open-Insurance and HOA is missing for property xxxxxx. Need HOI and HOA certificate document or LOX (if Insurance and HOA is not applicable). - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025<br>| Resolved-HOA/HOI statement received. - Due Diligence Vendor-11/24/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.86% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | xxxxxx low.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850142 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-03 03:12 | 2025-11-17 14:46 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/17/2025 <br> Counter-Missing 1008 for Subject property located at xxxxxx - The 1008 provided belong to a property list at xxxxxx, - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/17/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.86% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | FINAL - 1008.pdf<br>FINAL - 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850142 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-03 03:28 | 2025-11-03 03:28 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Partially Provided | Waived-Client granted exception with compensating factors. Exception is required to use signed W7 form in Lieu of ITIN letter.<br>COMPENSATING FACTORS:<br> • Borrower exceeds minimum credit score requirement by 40 points<br> • Debt ratio of 37.625%<br> • Housing ratio of 42.858% - Due Diligence Vendor-11/03/2025 |  | Waived-Client granted exception with compensating factors. Exception is required to use signed W7 form in Lieu of ITIN letter.<br>COMPENSATING FACTORS:<br> • Borrower exceeds minimum credit score requirement by 40 points<br> • Debt ratio of 37.625%<br> • Housing ratio of 42.858% - Due Diligence Vendor-11/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.86% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850142 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-03 03:25 | 2025-11-03 03:25 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Client granted exception with compensating factors. Exception to allow xxxxxx on Cashout. Per guideline only allow xxxxxx<br>COMPENSATING FACTORS:<br> • Borrower exceeds minimum credit score requirement by 40 points<br> • Debt ratio of 37.625%<br> • Housing ratio of 42.858% - Due Diligence Vendor-11/03/2025 |  | Waived-Client granted exception with compensating factors. Exception to allow xxxxxx on Cashout. Per guideline only allow xxxxxx<br>COMPENSATING FACTORS:<br> • Borrower exceeds minimum credit score requirement by 40 points<br> • Debt ratio of 37.625%<br> • Housing ratio of 42.858% - Due Diligence Vendor-11/03/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.92 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.86% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850142 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-03 03:22 | 2025-11-03 03:22 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Incomplete | Waived-Client granted exception with compensating factors. Exception to allow no renewal of driver license. Passport on file that will expire xxxxxx in lieu of expired driver license.<br>COMPENSATING FACTORS:<br> • Borrower exceeds minimum credit score requirement by 40 points<br> • Debt ratio of 37.625%<br> • Housing ratio of 42.858% - Due Diligence Vendor-11/03/2025 |  | Waived-Client granted exception with compensating factors. Exception to allow no renewal of driver license. Passport on file that will expire xxxxxx in lieu of expired driver license.<br>COMPENSATING FACTORS:<br> • Borrower exceeds minimum credit score requirement by 40 points<br> • Debt ratio of 37.625%<br> • Housing ratio of 42.858% - Due Diligence Vendor-11/03/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.86% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850142 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-03 03:20 | 2025-11-03 03:20 | Waived | 2 - Non-Material B | Credit | Liabilities | Mortgage history for primary residence less than 12 months | Waived-Client granted exception with compensating factors. Guidelines require the mortgage to be paid off, to have a Ox30x12 rating. Requesting this requirement to be waived as the borrower is not<br> currently on the note, and the servicer has confirmed the mortgage is current.<br>COMPENSATING FACTORS:<br> • Borrower exceeds minimum credit score requirement by 40 points<br> • Debt ratio of 37.625%<br> • Housing ratio of 42.858% - Due Diligence Vendor-11/03/2025 |  | Waived-Client granted exception with compensating factors. Guidelines require the mortgage to be paid off, to have a Ox30x12 rating. Requesting this requirement to be waived as the borrower is not<br> currently on the note, and the servicer has confirmed the mortgage is current.<br>COMPENSATING FACTORS:<br> • Borrower exceeds minimum credit score requirement by 40 points<br> • Debt ratio of 37.625%<br> • Housing ratio of 42.858% - Due Diligence Vendor-11/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.86% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850142 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-03 03:18 | 2025-11-03 03:18 | Waived | 2 - Non-Material B | Credit | Income | Income documentation does not meet guidelines | Waived-Client granted exception with compensating factors. Guidelines require income documentation to be dated within 60 days of closing<br> Requesting that we extend the expiration of the credit docs through closing or 65 days whichever happens first<br>COMPENSATING FACTORS:<br> • Borrower exceeds minimum credit score requirement by 40 points<br> • Debt ratio of 37.625%<br> • Housing ratio of 42.858%<br> - Due Diligence Vendor-11/03/2025 |  | Waived-Client granted exception with compensating factors. Guidelines require income documentation to be dated within 60 days of closing<br> Requesting that we extend the expiration of the credit docs through closing or 65 days whichever happens first<br>COMPENSATING FACTORS:<br> • Borrower exceeds minimum credit score requirement by 40 points<br> • Debt ratio of 37.625%<br> • Housing ratio of 42.858%<br> - Due Diligence Vendor-11/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.86% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850142 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-03 03:15 | 2025-11-03 03:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Client granted exception with compensating factors. Borrower does not meet the tradeline requirements. Existing tradeline only has 21 months coverage.<br>COMPENSATING FACTORS:<br> • Borrower exceeds minimum credit score requirement by 40 points<br> • Debt ratio of 37.625%<br> • Housing ratio of 42.858% - Due Diligence Vendor-11/03/2025 |  | Waived-Client granted exception with compensating factors. Borrower does not meet the tradeline requirements. Existing tradeline only has 21 months coverage.<br>COMPENSATING FACTORS:<br> • Borrower exceeds minimum credit score requirement by 40 points<br> • Debt ratio of 37.625%<br> • Housing ratio of 42.858% - Due Diligence Vendor-11/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 685 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.86% Is Below The Guideline Maximum Of 60% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.63% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850146 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 850149 | xxxxxx | B A | Closed | xxxxxx | 2025-10-06 15:08 | 2025-10-06 15:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived-Client granted exception with compensating factors. Exception granted for Slow Growth of Neighborhood and use of rental income of $2,700 from ADU, which supports DSCR of 1.09. - Due Diligence Vendor-10/06/2025 |  | Waived-Client granted exception with compensating factors. Exception granted for Slow Growth of Neighborhood and use of rental income of $2,700 from ADU, which supports DSCR of 1.09. - Due Diligence Vendor-10/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.8 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | FICO Score is 776 and exceeds the minimum required of 640. <br> Post closing Reserves of 16 months exceeds the minimum required of 4 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850150 | xxxxxx | B A | Closed | xxxxxx | 2025-10-02 04:42 | 2025-10-02 04:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client granted exception with compensating factors. Exception approval to allow for loan modification dated xxxxxx which state that loan will matured on xxxxxx, borrower is unable to provide loan modification document with extension date - Due Diligence Vendor-10/02/2025 |  | Waived-Client granted exception with compensating factors. Exception approval to allow for loan modification dated xxxxxx which state that loan will matured on xxxxxx, borrower is unable to provide loan modification document with extension date - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years | Current FICO is 721 while min required score is 640 exceeds minimum credit score requirement by at least 81 points.<br> Number of months reserves post closing is 99.36 DSCR is 1.32 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850150 | xxxxxx | B A | Closed | xxxxxx | 2025-10-02 04:41 | 2025-10-02 04:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Ownership vesting does not meet minimum seasoning for cash-out refinance. | Waived-Client granted exception with compensating factors. Borrower(s) purchased property within most recent six (6) months and does not meet minimum seasoning requirement for cash-out transaction. Exception approval for did not met the loan modification seasoning requirement of 24 months:<br> Mortgage on the subject property was modified twice - xxxxxx - Due Diligence Vendor-10/02/2025 |  | Waived-Client granted exception with compensating factors. Borrower(s) purchased property within most recent six (6) months and does not meet minimum seasoning requirement for cash-out transaction. Exception approval for did not met the loan modification seasoning requirement of 24 months:<br> Mortgage on the subject property was modified twice - xxxxxx. - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years | Current FICO is 721 while min required score is 640 exceeds minimum credit score requirement by at least 81 points.<br> Number of months reserves post closing is 99.36 DSCR is 1.32 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850150 | xxxxxx | B A | Closed | xxxxxx | 2025-10-02 04:39 | 2025-10-02 04:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client granted exception with compensating factors. Audited CLTV of 75% exceeds Guideline CLTV of 70% Exception approval to allow current 75% LTV exceeds the maximum allowable of 70% for all refinance transaction in state of xxxxxx - Due Diligence Vendor-10/02/2025 |  | Waived-Client granted exception with compensating factors. Audited CLTV of 75% exceeds Guideline CLTV of 70% Exception approval to allow current 75% LTV exceeds the maximum allowable of 70% for all refinance transaction in state of xxxxxx - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years | Current FICO is 721 while min required score is 640 exceeds minimum credit score requirement by at least 81 points. Number of months reserves post closing is 99.36 DSCR is 1.32 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850150 | xxxxxx | B A | Closed | xxxxxx | 2025-10-02 04:39 | 2025-10-02 04:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client granted exception with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Exception approval to allow current 75% LTV exceeds the maximum allowable of 70% for all refinance transaction in state of xxxxxx - Due Diligence Vendor-10/02/2025 |  | Waived-Client granted exception with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Exception approval to allow current 75% LTV exceeds the maximum allowable of 70% for all refinance transaction in state of xxxxxx - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years | Current FICO is 721 while min required score is 640 exceeds minimum credit score requirement by at least 81 points. Number of months reserves post closing is 99.36 DSCR is 1.32 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850150 | xxxxxx | B A | Closed | xxxxxx | 2025-10-02 04:39 | 2025-10-02 04:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client granted exception with compensating factors. Audited HCLTV of 75% exceeds Guideline HCLTV of 70% Exception approval to allow current 75% LTV exceeds the maximum allowable of 70% for all refinance transaction in state of xxxxxx - Due Diligence Vendor-10/02/2025 |  | Waived-Client granted exception with compensating factors. Audited HCLTV of 75% exceeds Guideline HCLTV of 70% Exception approval to allow current 75% LTV exceeds the maximum allowable of 70% for all refinance transaction in state of xxxxxx - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 99.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years | Current FICO is 721 while min required score is 640 exceeds minimum credit score requirement by at least 81 points. Number of months reserves post closing is 99.36 DSCR is 1.32 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850203 | xxxxxx | B A | Closed | xxxxxx | 2025-10-23 14:27 | 2025-10-29 13:41 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/28/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/23/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.9 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 813 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850227 | xxxxxx | C A | Closed | xxxxxx | 2025-11-21 12:58 | 2025-11-26 11:22 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*received ICD - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Please see Initial CD. - Due Diligence Vendor-11/24/2025 <br>Open-<br> \*\*\*\* 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-11/21/2025 |  | Resolved-\*\*\*received ICD - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 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 69.59% 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 56.87 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 |  | Full Review850227_xxxxxx_11_24_2025_103640_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850243 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850245 | xxxxxx | B A | Closed | xxxxxx | 2025-10-23 09:45 | 2025-10-29 13:36 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/28/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/23/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/29/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.17 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 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 111.38 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850251 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850263 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850342 | xxxxxx | D A | Closed | xxxxxx | 2025-10-01 21:51 | 2025-10-03 09:42 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Utility Bill provided. - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Document Uploaded. First-Time Investor is a borrower not meeting the Experienced Investor definition, but who currently owns a primary residence for at least one (1) year. Ownership history can be documented with the following: • Mortgage history on credit report • Property profile report • Other 3rd party documentation (e.g., Fraud Report, Settlement Statement, Closing Disclosure): RESPONSE : This section only applies to DSCR (they are quoting section 8.12.2, which only applies to DSCR, not FN program)<br>\*Additionally, Borrower to provide a third-party document with an address that matches the primary residence on the application e.g., lease agreement, utility bill, financial statement. We do have a document in file. - Seller-10/02/2025 <br>Open-First-Time Investor is a borrower not meeting the Experienced Investor definition, but who currently owns a primary residence for at least one (1) year. <br> Ownership history can be documented with the following:<br> • Mortgage history on credit report <br> • Property profile report <br> • Other 3rd party documentation (e.g., Fraud Report, Settlement Statement, Closing Disclosure)<br>\*Additionally, Borrower to provide a third-party document with an address that matches the primary residence on the application e.g., lease agreement, utility bill, financial statement. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. First-Time Investor is a borrower not meeting the Experienced Investor definition, but who currently owns a primary residence for at least one (1) year. Ownership history can be documented with the following: • Mortgage history on credit report • Property profile report • Other 3rd party documentation (e.g., Fraud Report, Settlement Statement, Closing Disclosure): RESPONSE : This section only applies to DSCR (they are quoting section 8.12.2, which only applies to DSCR, not FN program)<br>\*Additionally, Borrower to provide a third-party document with an address that matches the primary residence on the application e.g., lease agreement, utility bill, financial statement. We do have a document in file. - Seller-10/02/2025 | Resolved-Utility Bill provided. - Due Diligence Vendor-10/03/2025<br>|  |  | REO - UTILITY BILL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850342 | xxxxxx | D A | Closed | xxxxxx | 2025-10-01 21:44 | 2025-10-02 13:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Agreement provided. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-10/02/2025 <br> Open-Missing fully executed Sales Contract Addendum reflecting the final Sales Price iao xxxxxx. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/02/2025<br>| Resolved-Purchase Agreement provided. - Due Diligence Vendor-10/02/2025<br>|  |  | PURCHASE CONTRACT (7).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850342 | xxxxxx | D A | Closed | xxxxxx | 2025-10-01 21:42 | 2025-10-02 13:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 7.27 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. The total EMD is 1950 - Seller-10/02/2025 <br>Open-Audited Reserves of 5.92 are less than Guideline Required Reserves of 6 Missing proof of the EMD $4600 & $350, clearing B1's account. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. The total EMD is 1950 - Seller-10/02/2025<br>| Resolved-Audited Reserves of 7.27 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-10/02/2025<br>|  |  | VERIFICATION EARNEST MONEY DEPOSIT TO TITLE (5).pdf<br>VERIFICATION EARNEST MONEY DEPOSIT TO TITLE (6).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850342 | xxxxxx | D A | Closed | xxxxxx | 2025-10-01 21:52 | 2025-10-02 13:07 | 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-10/02/2025 <br>Ready for Review-Document Uploaded. use LDP/GSA - Seller-10/02/2025 <br>Open-Risk Assessment does not include all the parties involved with the transaction. Updated report will need to include all parties including the seller(s), settlement company/agent, appraisal company/agent, borrower(s) AKAs and mortgage representatives/company; - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. use LDP/GSA - Seller-10/02/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-10/02/2025<br>|  |  | DATAVERIFY DRIVE REPORT (25).pdf<br> xxxxxx (13).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850344 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850351 | xxxxxx | D A | Closed | xxxxxx | 2025-09-29 11:42 | 2025-10-03 10:42 | 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-10/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/02/2025 <br>Open-Missing Third Party Fraud Report The Third-Party Fraud Report is missing and was not included in the submitted package. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. - Seller-10/02/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 31.05 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | DATAVERIFY DRIVE REPORT (26).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850356 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850365 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 15:08 | 2025-09-26 09:47 | 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-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/26/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | DATAVERIFY DRIVE REPORT (23).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850377 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-02 19:15 | 2025-10-06 11:24 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-CTC final HUD/xxxxxx provided cash back to borrower is $5,000 - Due Diligence Vendor-10/06/2025 <br> Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Counter-Document Uploaded. the Final HUD/xxxxxx/SS located in the loan file is signed stating cash back as $6621.05 however the HUD/xxxxxx/SS (not signed) now shows cash back is $5000 - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. It's a R/T - cash back on $5K - Seller-10/03/2025 <br> Open-Lender exception needed for cash out refinance ($6621.05) (page 412 OCR)for First Time Investor. Earlier HUD-1 only had $5,000 cash out or rate term amount. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025 <br>Ready for Review-Document Uploaded. It's a R/T - cash back on $5K - Seller-10/03/2025<br>| Resolved-CTC final HUD/xxxxxx provided cash back to borrower is $5,000 - Due Diligence Vendor-10/06/2025 <br> Resolved-Cash Out Meets Guideline Requirements - Due Diligence Vendor-10/06/2025 | Investment Property DSCR Exceeds 1.15 - .<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | final CS rt.pdf<br> Signed HUD-SS-xxxxxx.jpg<br> 25-09-146759AD Cert. Final settlement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850377 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-02 19:08 | 2025-10-02 19:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client granted exception with compensating factors. Audited FICO of 718 is less than Guideline FICO of 720 Lender exception for FTI credit score < 720. - Due Diligence Vendor-10/02/2025 |  | Waived-Client granted exception with compensating factors. Audited FICO of 718 is less than Guideline FICO of 720 Lender exception for FTI credit score < 720. - Due Diligence Vendor-10/02/2025<br>| Investment Property DSCR Exceeds 1.15 - .<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | DSCR > 1 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 850378 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850379 | xxxxxx | D A | Closed | xxxxxx | 2025-10-10 03:06 | 2025-10-13 14:50 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. - Seller-10/13/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/13/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.31% 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 21.3 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years |  | 1008 - FINAL (90).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850379 | xxxxxx | D A | Closed | xxxxxx | 2025-10-13 07:36 | 2025-10-13 14:49 | 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-10/13/2025 <br>Ready for Review-Document Uploaded. - Seller-10/13/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing evidence of foreign residence (page 26 guidelines) Bank statements provided didn't seem to show address. Generally utility bill or lease provided. - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-10/13/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.31% 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 21.3 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years |  | BANK STATEMENTS (29).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850379 | xxxxxx | D A | Closed | xxxxxx | 2025-10-10 01:51 | 2025-10-13 14:47 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. - Seller-10/13/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-10/13/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.31% 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 21.3 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years | The Final 1003 is Missing | CONDITION(S) (5).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850393 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850397 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850400 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850404 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850409 | xxxxxx | B A | Closed | xxxxxx | 2025-10-09 01:44 | 2025-10-11 19:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client granted exception with compensating factors. Audited CLTV of 80% exceeds Guideline CLTV of 75% Exception approved: 5% LTV to max 80%LTV for min of 0.80 DSCR subject to 6 mos reserves, satisfactory<br> CDA, with PPP. No IO/rural/declining/STR.<br> Exception request: Max 75% LTV due to DSCR (0.87) restrictions, require 1:1 for 80% LTV./ Exception found on pg 422 - Due Diligence Vendor-10/09/2025 |  | Waived-Client granted exception with compensating factors. Audited CLTV of 80% exceeds Guideline CLTV of 75% Exception approved: 5% LTV to max 80%LTV for min of 0.80 DSCR subject to 6 mos reserves, satisfactory<br> CDA, with PPP. No IO/rural/declining/STR.<br> Exception request: Max 75% LTV due to DSCR (0.87) restrictions, require 1:1 for 80% LTV./ Exception found on pg 422 - Due Diligence Vendor-10/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 70 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.3 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850411 | xxxxxx | B A | Closed | xxxxxx | 2025-10-08 04:22 | 2025-10-13 11:35 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. - Seller-10/10/2025 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. - Seller-10/10/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/13/2025<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 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 1008 - FINAL (88).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850413 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 10:14 | 2025-10-28 16:06 | Resolved | 1 - Information C A | Credit | Eligibility | Builder is in control of HOA | Resolved-The xxxxxx is not in control of the HOA, or Not Applicable - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-The xxxxxx is in control of the HOA Appraisal states Developer is in control of HOA. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-The xxxxxx is not in control of the HOA, or Not Applicable - Due Diligence Vendor-09/26/2025 | 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 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 164 xxxxxx_Revised.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850413 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-19 13:59 | 2025-09-19 13:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client granted exception with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception for LTV using short term rental income - Due Diligence Vendor-09/19/2025 |  | Waived-Client granted exception with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Lender exception for LTV using short term rental income - Due Diligence Vendor-09/19/2025<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 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | FICO 20+ points<br> > 6 months reserves<br> DSCR 1.25+ |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 850413 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 10:17 | 2025-09-19 12:44 | 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-09/19/2025 <br>Ready for Review-Document Uploaded. - Seller-09/18/2025 <br>Open-Missing Third Party Fraud Report Missing third party Fraud Report. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/19/2025<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 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | DATAVERIFY DRIVE REPORT (21).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850415 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850435 | xxxxxx | D A | Closed | xxxxxx | 2025-12-02 08:06 | 2025-12-24 12:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Proof of large deposit totaling $10,080.00 provided - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. Please see attached, the upload contained 2 pages and total of checks was 10,080. - Buyer-12/23/2025 <br> Counter-Document Uploaded. The Check provided reflects total deposit as $10K however per the Bank statement is $10,080.00 - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached Source of Funds. - Due Diligence Vendor-12/22/2025 <br> Counter-the condition is for Provide source of funds for deposit of $10,080 made on "8/20/2025" into xxxxxx - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see attached source of funds. - Due Diligence Vendor-12/08/2025 <br> Open-. Provide source of funds for deposit of $10,080 made on 8/20/2025 into xxxxxx as it is over 100% of the borrowers combined income and is required by guidelines to be sourced. - Due Diligence Vendor-12/02/2025 |  | Resolved-Proof of large deposit totaling $10,080.00 provided - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |  | Full Review850435_xxxxxx_12_4_2025_40547_PM.zip<br> Full Review850435_xxxxxx_12_19_2025_15950_PM.zip<br> Screenshot 2025-12-22 105017.jpg<br> Screenshot 2025-12-22 105119.jpg<br> xxxxxx SOF (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850435 | xxxxxx | D A | Closed | xxxxxx | 2025-11-28 02:53 | 2025-12-18 11:14 | Resolved | 1 - Information C A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. Please see attached Final 1003. - Due Diligence Vendor-12/18/2025 <br>Open-The Final 1003 is Not Executed . Provide executed final 1003 for the Co-Borrower as only the borrowers signature appears. - Due Diligence Vendor-11/28/2025 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |  | Full Review850435_xxxxxx_12_17_2025_34449_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850435 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 07:22 | 2025-12-10 08:15 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx borrower attorney designation. - Due Diligence Vendor-12/09/2025 <br> Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-12/03/2025 |  | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |  | Full Review850435_xxxxxx_12_8_2025_111116_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850441 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850463 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850505 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850508 | xxxxxx | C A | Closed | xxxxxx | 2025-12-08 01:38 | 2025-12-31 12:41 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than the Subject Lien or replacement cost value of xxxxxx - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. See email from insurance company and updated policy with increased coverage. - Due Diligence Vendor-12/31/2025 <br> Counter-xxxxxx for the confusion, The Subject HOI Policy reflects the dwelling coverage as xxxxxx however the RCE states xxxxxx. the Policy does not reflect any additional dwelling coverage. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. See RCE and lox - Due Diligence Vendor-12/11/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of xxxxxx. It doesn't appear on the policy as if there is any additional/bonus coverage percentage. We either need proof of coverage increased to xxxxxx or we would need proof that the current coverage of xxxxxx doesn't include an extra percentage of coverage on top of that we could add in to then get a total that meets or exceeds xxxxxx. - Due Diligence Vendor-12/08/2025 |  | Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than the Subject Lien or replacement cost value of xxxxxx - Due Diligence Vendor-12/31/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.27 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.89% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | 850508_xxxxxx_LOX.pdf<br> 850508_xxxxxx_RCE.pdf<br> 850508_xxxxxx.pdf<br> 850508_xxxxxx_Renewal.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850539 | xxxxxx | B A | Closed | xxxxxx | 2025-11-13 12:28 | 2025-11-13 12:31 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Client granted exception with compensating factors. DSCR is less than the guideline minimum. Loan amount < $150,000 requires a minimum DSCR of 1.25, subject is 1.08. Investor concentration of 70% exceeds max of 60%. - Due Diligence Vendor-11/13/2025 |  | Waived-Client granted exception with compensating factors. DSCR is less than the guideline minimum. Loan amount < $150,000 requires a minimum DSCR of 1.25, subject is 1.08. Investor concentration of 70% exceeds max of 60%. - Due Diligence Vendor-11/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 14.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 710 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 710 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Credit score 10 points > minimum required<br> Reserves exceeds requirements by 6 months or more. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850543 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850557 | xxxxxx | D A | Closed | xxxxxx | 2025-11-12 02:55 | 2025-12-08 13:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see attached minutes along with the Statement of Information just filed 7/2025 with the State of xxxxxx - Due Diligence Vendor-12/08/2025 <br> Open-Borrower 1 CPA Letter Missing Borrower CPA letter is missing - Due Diligence Vendor-11/12/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-12/08/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 53.43% 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 - 29.14 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 - 29.14 Years<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.88 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 9.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review850557_xxxxxx_12_5_2025_123618_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850654 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 850658 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850667 | xxxxxx | B A | Closed | xxxxxx | 2025-11-28 00:52 | 2025-12-03 08:00 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Underwriting approval - Due Diligence Vendor-12/02/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/28/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  | Full Review850667_xxxxxx_12_2_2025_124914_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850699 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850722 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850731 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850733 | xxxxxx | D A | Closed | xxxxxx | 2025-11-22 01:13 | 2025-12-03 15:15 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Other Rider is Missing | Resolved- - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Please see attached Rider. - Due Diligence Vendor-12/03/2025 <br>Open-Assignment of Leases and Rents Rider Missing - Due Diligence Vendor-11/22/2025 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review850733_xxxxxx_12_2_2025_45601_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850734 | xxxxxx | D A | Closed | xxxxxx | 2025-11-14 07:39 | 2025-12-08 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see attached income calc - Due Diligence Vendor-12/08/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary . Provide Bank Statement Income worksheet to show how income of $52,312.36 was determined. - Due Diligence Vendor-11/14/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/08/2025<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 0.21<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 - 13.17 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 186.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.92% 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 693 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review850734_xxxxxx_12_4_2025_81546_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850734 | xxxxxx | D A | Closed | xxxxxx | 2025-11-12 23:32 | 2025-12-02 16:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Please see title - Due Diligence Vendor-12/02/2025 <br>Open-Title Document is Incomplete . Provide complete title, all pages/schedules, with complete chain. The title provided contains Schedule A only. - Due Diligence Vendor-11/13/2025 |  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-12/02/2025<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 0.21<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 - 13.17 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 186.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.92% 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 693 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review850734_xxxxxx_12_1_2025_52546_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850734 | xxxxxx | D A | Closed | xxxxxx | 2025-11-13 01:18 | 2025-12-01 12:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-First payment letter (escrowed), Note & DOT provided. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/01/2025 <br>Open-Provide new loan terms to support PITIA of $1,982.85 per month as seen on the final 1003 and used to qualify. At the time of review only a real estate printout was provided to show property type. - Due Diligence Vendor-11/14/2025 |  | Resolved-First payment letter (escrowed), Note & DOT provided. - Due Diligence Vendor-12/01/2025<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 0.21<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 - 13.17 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 186.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.92% 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 693 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review850734_xxxxxx_12_1_2025_103409_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850734 | xxxxxx | D A | Closed | xxxxxx | 2025-11-13 00:36 | 2025-11-21 08:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Rent schedule, Note and DOT provided. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Please see appraisal - Due Diligence Vendor-11/20/2025 <br> Open-Provide documentation to support rental income of $2,175 monthly used to offset rental property located at xxxxxx as stated on the final 1003. - Due Diligence Vendor-11/14/2025 |  | Resolved-Rent schedule, Note and DOT provided. - Due Diligence Vendor-11/21/2025<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 - 13.17 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 186.74 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.92% 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 693 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review850734_xxxxxx_11_19_2025_30200_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850744 | xxxxxx | D A | Closed | xxxxxx | 2025-10-30 00:28 | 2025-11-04 09:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-DL provided - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. - Seller-11/03/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing in file (SS Card is in file) but ID - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/03/2025<br>| Resolved-DL provided - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 700 is Greater Than The Guideline Minimum Of 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 288.99 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx ID.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850750 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850761 | xxxxxx | D A | Closed | xxxxxx | 2025-10-27 14:49 | 2025-10-31 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved- - Due Diligence Vendor-10/31/2025 <br> Ready for Review-10/29/25 - Lender response: I mistakenly uploaded documents for the xxxxxx file under the xxxxxx loan setup. The two entities are completely unrelated. The xxxxxx Operating Agreement should be disregarded. Please advise on ignoring xxxxxx operating agreement. - Due Diligence Vendor-10/30/2025 <br> Open-Subject transaction is missing an Operating Agreement between xxxxxx (title holder). - Due Diligence Vendor-10/27/2025 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years Borrower At Current Residence For Five (5) Or More Years - 14 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850761 | xxxxxx | D A | Closed | xxxxxx | 2025-10-24 14:03 | 2025-10-31 14:28 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 26.37 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. 10/26/25 - please see attached updated bank statements - Due Diligence Vendor-10/30/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 6 Audited Reserves of -0- xxxxxx dollars are less than Guideline Required Reserves of 6 months. - Due Diligence Vendor-10/24/2025 |  | Resolved-Audited Reserves of 26.37 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-10/31/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years Borrower At Current Residence For Five (5) Or More Years - 14 Years |  | Full Review850761_xxxxxx_10_29_2025_63250_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850761 | xxxxxx | D A | Closed | xxxxxx | 2025-10-24 15:38 | 2025-10-31 14:28 | 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-10/31/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-10/30/2025 <br> Open-1008/Underwriting Summary Partially Provided The Loan Amount on the Note and Final 1003 shows xxxxxx, while the 1008 reflects xxxxxx, causing a discrepancy in the P&I calculation. Borrower name also not matched, Please provide an updated 1008 reflecting the correct loan amount. - Due Diligence Vendor-10/24/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/31/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years Borrower At Current Residence For Five (5) Or More Years - 14 Years |  | 850761_xxxxxx_1008.pdf<br> 850761_xxxxxx_CLA-CTC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850761 | xxxxxx | D A | Closed | xxxxxx | 2025-10-24 13:57 | 2025-10-31 14:27 | 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-10/31/2025 <br>Ready for Review-10/26/25 - please see attached updated bank statements - Due Diligence Vendor-10/30/2025 <br>Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close $173056.78. Total Liquid Assets Available for Close of $0 is less than Total Cash to Close $163,056.78. - Due Diligence Vendor-10/24/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-10/31/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years Borrower At Current Residence For Five (5) Or More Years - 14 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850761 | xxxxxx | D A | Closed | xxxxxx | 2025-10-27 14:28 | 2025-10-31 14:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-10/31/2025 <br>Ready for Review-10/26/25 - please see attached updated bank statements - Due Diligence Vendor-10/30/2025 <br>Open-Asset 1 Does Not Meet Guideline Requirements, single month statement from 2023. - Due Diligence Vendor-10/27/2025 |  | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-10/31/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years Borrower At Current Residence For Five (5) Or More Years - 14 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850761 | xxxxxx | D A | Closed | xxxxxx | 2025-10-27 14:28 | 2025-10-31 14:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Asset 1 Not Expired - Due Diligence Vendor-10/31/2025 <br> Ready for Review-10/29/25 - please see xxxxxx account xxxxxx. Is a bank statement 7/1/25 - 8/31/2025 - Due Diligence Vendor-10/30/2025 <br> Open-Asset 1 Expired, single month statement from 2023. - Due Diligence Vendor-10/27/2025 |  | Resolved-Asset 1 Not Expired - Due Diligence Vendor-10/31/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years Borrower At Current Residence For Five (5) Or More Years - 14 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850765 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850802 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850821 | xxxxxx | D A | Closed | xxxxxx | 2025-11-05 14:36 | 2025-12-05 09:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Divorce Decree is missing | Resolved-DD, Updated 1008, 1003 and Additional retirement income provided. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Please see the decree - the borrower is responsible for xxxxxx for child support and xxxxxx for spousal support. Also see a copy of the xxxxxx Account reflecting $10,000 withdrawal of retirement income. Also on the xxxxxx stmt xxxxxx shows $10,000 going into the account the end of July and the end of August. Lastly, there is a new 1008 and 1003 with the additional income reflected and the DTI now at 45.25%. - Seller-12/03/2025 <br> Open-. Provide complete divorce decree, all pages and additions including the Marital Settlement Agreement and Parenting Plan. xxxxxx xxxxxx shows a wire out for xxxxxx listed as "Child support/spouse support". Final Judgment of Dissolution of Marriage notes a minor born xxxxxx. Documentation required to evidence this is the only amount required for the borrower to pay monthly OR that the borrower is not obligated to pay. If the xxxxxx monthly is added, the DTI is 65.11% and the loan would not qualify as submitted. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. Please see the decree - the borrower is responsible for xxxxxx for child support and xxxxxx for spousal support. Also see a copy of the xxxxxx Account reflecting $10,000 withdrawal of retirement income. Also on the xxxxxx stmt xxxxxx shows $10,000 going into the account the end of July and the end of August. Lastly, there is a new 1008 and 1003 with the additional income reflected and the DTI now at 45.25%. - Seller-12/03/2025 | Resolved-DD, Updated 1008, 1003 and Additional retirement income provided. - Due Diligence Vendor-12/05/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.69% 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 786 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 77.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.82% 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 |  | Marital Settlement Agreement.pdf<br> Marital Settlement Agreement.pdf<br> xxxxxx _ xxxxxx _ xxxxxx.pdf<br> xxxxxx _ xxxxxx _ xxxxxx.pdf<br> xxxxxx _ xxxxxx _ 1008 and 1003 with additional income.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850825 | xxxxxx | C A | Closed | xxxxxx | 2025-10-30 17:57 | 2025-11-05 14:01 | Resolved | 1 - Information C A | Property | Third Party Valuation | xxxxxx Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided. - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. Please see CDA attached - Due Diligence Vendor-11/05/2025 <br>Open-If both scores (CU & LCA) provided, both required to be 2.5 or less. If the score exceeds 2.5, the file must include either an enhanced desk review, AVM, field review, or second appraisal. - Due Diligence Vendor-10/30/2025 |  | Resolved-Desk review provided. - Due Diligence Vendor-11/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 286.34 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review850825_xxxxxx_11_5_2025_105033_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850831 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850841 | xxxxxx | C A | Closed | xxxxxx | 2025-12-04 15:20 | 2025-12-15 09:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event detail provided - Due Diligence Vendor-12/15/2025 <br>Resolved- - Due Diligence Vendor-12/15/2025 <br>Open- - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. There is a COC for the increase in Recording fees in the closed loan pkg , page 784 of 813. Can you please review and advise? xxxxxx! - Due Diligence Vendor-12/12/2025 <br>Open-\*\*\*\*\* Finding in relation to \*\*\*\*The recording and creditor list charges disclosed to the borrower increased causing a 10% tolerance cure in the amount of $15.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/04/2025 <br>Open- - Due Diligence Vendor-12/04/2025 <br>Open- - Due Diligence Vendor-12/04/2025 <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-12/04/2025 <br>Open- - Due Diligence Vendor-12/04/2025 |  | Resolved-COC event detail provided - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 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 - 25.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86.48 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.32% 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 18.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review850841_xxxxxx_12_11_2025_124623_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850841 | xxxxxx | C A | Closed | xxxxxx | 2025-12-04 15:20 | 2025-12-15 09:15 | 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-12/15/2025 <br>Resolved- - Due Diligence Vendor-12/15/2025 <br>Open- - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. There is a COC for the increase in Recording fees in the closed loan pkg , page 784 of 813. Can you please review and advise? xxxxxx! - Due Diligence Vendor-12/12/2025 <br>Open-\*\*\*\*\* Finding in relation to \*\*\*\*The recording and creditor list charges disclosed to the borrower increased causing a 10% tolerance cure in the amount of $15.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/04/2025 <br>Open- - Due Diligence Vendor-12/04/2025 <br>Open- - Due Diligence Vendor-12/04/2025 <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-12/04/2025 <br>Open- - Due Diligence Vendor-12/04/2025 |  | Resolved-COC event detail provided - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 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 - 25.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86.48 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.32% 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 18.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review850841_xxxxxx_12_11_2025_124721_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850841 | xxxxxx | C A | Closed | xxxxxx | 2025-12-04 15:20 | 2025-12-15 09:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-COC event detail provided - Due Diligence Vendor-12/15/2025 <br>Resolved- - Due Diligence Vendor-12/15/2025 <br>Ready for Review-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,110.00) exceed the comparable charges ($995.00) 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-12/15/2025 <br>Open- - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. There is a COC for the increase in Recording fees in the closed loan pkg , page 784 of 813. Can you please review and advise? xxxxxx! - Due Diligence Vendor-12/12/2025 <br>Open-\*\*\*\*The recording and creditor list charges disclosed to the borrower increased causing a 10% tolerance cure in the amount of $15.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/04/2025 <br>Open- - Due Diligence Vendor-12/04/2025 <br>Open- - Due Diligence Vendor-12/04/2025 <br>Open- - Due Diligence Vendor-12/04/2025 |  | Resolved-COC event detail provided - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 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 - 25.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 86.48 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.32% 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 18.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review850841_xxxxxx_12_11_2025_124649_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850880 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-26 23:46 | 2025-12-23 07:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: The request for an exception to xxxxxx eligibility criteria is granted to allow a 90% LTV. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - 0x30 for 24 months on all mortgages - Due Diligence Vendor-12/23/2025 <br> Open-Missing Lender Exception to allow a 90% LTV. This is a flip property, and the second appraisal (page 62) notes declining value. The GL Matrix (7/7/2025) limits purchase LTV/CLTV to 85% if declining value is noted. Of note the declining market indicator is on the second appraisal that was a requirement because the property is also classified as a flip transaction. - Due Diligence Vendor-11/28/2025 |  | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: The request for an exception to xxxxxx eligibility criteria is granted to allow a 90% LTV. - Due Diligence Vendor-12/23/2025 | Audited reserves exceed guideline minimum - Audited reserves exceed required guidelines by 10+ months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Compensating Factor 1 - Credit Score 30+ points > minimum required <br> Compensating Factor 2 - Reserves exceed requirement by 10 months or more <br> Compensating Factor 3 - 0x30 for 24 months on all mortgages |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 850880 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-26 23:47 | 2025-12-08 13:55 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-E&O provided. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. 12/4/25 - please see E&O - Due Diligence Vendor-12/08/2025 <br> Open-Missing the E&O Insurance for xxxxxx /Appraiser (appraisal report dated xxxxxx). - Due Diligence Vendor-11/27/2025 |  | Resolved-E&O provided. - Due Diligence Vendor-12/08/2025<br>| Audited reserves exceed guideline minimum - Audited reserves exceed required guidelines by 10+ months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review850880_xxxxxx_12_4_2025_64904_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850893 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 850911 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850918 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 850920 | xxxxxx | D A | Closed | xxxxxx | 2025-11-13 12:16 | 2025-12-01 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Cert of Good Standings & Cert of Formation Provided. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. entity docs - Due Diligence Vendor-12/01/2025 <br>Counter-Received EIN and Operating Agreement. Still need articles and Cert of Good Standing. - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. See some entity docs - Due Diligence Vendor-11/24/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Entity Formation Documents for Main Entity and/or Sub-Entity Missing - Due Diligence Vendor-11/13/2025 |  | Resolved-Cert of Good Standings & Cert of Formation Provided. - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review850920_xxxxxx_11_21_2025_31425_PM.zip<br> Full Review850920_xxxxxx_12_1_2025_84716_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850924 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850926 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850948 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850950 | xxxxxx | D A | Closed | xxxxxx | 2025-11-04 08:22 | 2025-11-06 08:55 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. mortgage, assignment of leases & rents and prepay rider attached. - Buyer-11/05/2025 <br>Open-1-4 Family Rider is Missing - Due Diligence Vendor-11/04/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-11/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.26 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.5% 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 798 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxxxxx Mortgage.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850954 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-03 08:12 | 2025-12-10 07:03 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD proof of delivery received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 <br> Resolved- - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Compliance log showing the delivery dates and download dates from the borrower - Due Diligence Vendor-12/10/2025 <br> Counter-xxxxxx CD provided, however, the proof of delivery has not been provided, therefore the test timing is determined for the disclosure as "mailed". - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Initial CD provided - Due Diligence Vendor-12/03/2025 <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 missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 |  | Resolved-ICD proof of delivery received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time 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 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 - 10.44 Years |  | 850954_xxxxxx_ClosingDisclosurePkg_xxxxxx__20251110_141436.pdf<br> Full Review850954_xxxxxx_12_9_2025_112734_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850954 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-01 01:11 | 2025-12-04 08:17 | 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-12/04/2025 <br>Ready for Review-Document Uploaded. 3rd party verification showing that the business is active - Due Diligence Vendor-12/03/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/01/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time 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 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 - 10.44 Years |  | Full Review850954_xxxxxx_12_3_2025_10919_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850983 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850999 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851017 | xxxxxx | D A | Closed | xxxxxx | 2025-11-21 15:00 | 2025-11-24 16:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved- - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. Please see attached Fraud Report. - Due Diligence Vendor-11/24/2025 <br>Open-Pending receipt of the Fraud Report reflecting all open alerts cleared. The current Fraud Report was received with unresolved alerts. - Due Diligence Vendor-11/21/2025 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.1% 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 - 5.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review851017_xxxxxx_11_24_2025_125406_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851017 | xxxxxx | D A | Closed | xxxxxx | 2025-11-21 08:13 | 2025-11-24 16:15 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. Please see attached Underwriter's Approval. - Due Diligence Vendor-11/24/2025 <br>Open-1008/Underwriting Summary Not Provided Missing 1008/Underwriting Summary - Due Diligence Vendor-11/21/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.1% 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 - 5.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review851017_xxxxxx_11_24_2025_125101_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851018 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851025 | xxxxxx | C A | Closed | xxxxxx | 2025-11-21 06:59 | 2025-11-26 11:36 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received ICD - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Please see Initial CD and receipt of CD. - Due Diligence Vendor-11/24/2025 <br> Open-Closing date is xxxxxx. Original file appears to be missing the Initial CD issued at least 3 business days prior to closing. Lender to provide a copy of the Initial CD with evidence of delivery to the borrower. - Due Diligence Vendor-11/21/2025 |  | Resolved-\*\*\*Received ICD - Due Diligence Vendor-11/26/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 21.38% 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 - 19.66 Years Borrower At Current Residence For Five (5) Or More Years - 19.66 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.44% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 69.44% 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 35.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 35.2 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 - 18.85 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.85 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 - 31 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.85 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.85 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review851025_xxxxxx_11_24_2025_102443_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851067 | xxxxxx | C A | Closed | xxxxxx | 2025-10-24 04:27 | 2025-11-03 15:24 | 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 was provided through an updated policy. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. See HOI and emails from HOI company - Due Diligence Vendor-11/03/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $154000 Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $154000 - Due Diligence Vendor-10/24/2025 |  | Resolved-Sufficent Hazard Insurance Coverage was provided through an updated policy. - Due Diligence Vendor-11/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.82 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review851067_xxxxxx_10_31_2025_32705_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851093 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-19 12:20 | 2025-12-10 11:52 | 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-12/10/2025 <br> Ready for Review-Document Uploaded. 12/8/25 - Lender response: Please note there is no HO-6 policy - the master policy includes betterments and improvements. Please see attached bylaws which explains what the insurance/association is responsible for, starting on page 26, including xxxxxx, etc. Please also see email from insurance agent stating coverage is dictated by bylaws. - Due Diligence Vendor-12/09/2025 <br> Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-11/19/2025 |  | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 710 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.57% 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 98.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.73 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.74 Years |  | Full Review851093_xxxxxx_12_8_2025_33338_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851093 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-19 06:24 | 2025-11-19 12:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Calculated Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 - Due Diligence Vendor-11/19/2025 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 710 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.57% 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 98.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.73 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.74 Years | DTI <50% Credit Score: 710 Reserves: 12 or More Mos. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 851095 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 851297 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851303 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-24 09:12 | 2025-12-17 07:01 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD, LOE, copy of the check and tracking showing proof of delivery<br>- Buyer-12/16/2025 <br> Counter-The non-specific lender credit in Section J of the final CD is $959.70 and decreased in the PCCD. Lender credits cannot decrease post closing. The COC provided does not resolve the finding. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Please see attached CD and COC. - Due Diligence Vendor-11/25/2025 <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 ($952.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($959.70). 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$959.70 to $952 on the FCD , resulting in a 0% tolerance cure in the amount of $7.70. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $7.70 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/24/2025 <br> Open- - Due Diligence Vendor-11/24/2025 |  | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.49% 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 |  | Full Review851303_xxxxxx_11_25_2025_125832_PM.zip<br> MergedDocument (4).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851321 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851322 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 21:57 | 2025-12-10 11:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Please see the Bank Statement Worksheet. xxxxxx! - Due Diligence Vendor-12/09/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Lenders 24 month BK income worksheet for xxxxxx xxxxxx Bank supporting income no less than $14667.85 (per lenders approval under doc pg #1583/11-19-2025) - Due Diligence Vendor-12/06/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/10/2025<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 0.05<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 - 20.56 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 - 20.56 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 748 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review851322_xxxxxx_12_8_2025_45639_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851331 | xxxxxx | D A B | Closed | xxxxxx | 2025-11-13 13:39 | 2025-12-10 09:59 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Corrected DOT and re-record information provided. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. see revised mtg, rider, and email from title co about re-recording. - Buyer-12/09/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-11/13/2025 |  | Resolved-Corrected DOT and re-record information provided. - Due Diligence Vendor-12/10/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 30.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 26.78% 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 - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxxxxx email about re-recording.pdf<br> xxxxxx email about re-recording.pdf<br> xxxxxx revised docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851331 | xxxxxx | D A B | Closed | xxxxxx | 2025-11-13 15:14 | 2025-11-19 12:55 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/18/2025 <br>Open-1008/Underwriting Summary Not Provided<br> - Due Diligence Vendor-11/13/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/19/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 30.36 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 26.78% 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 - Validated Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Validated | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851413 | xxxxxx | D A | Closed | xxxxxx | 2025-11-28 13:20 | 2025-12-04 08:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Please find the Bank Statement Worksheet uploaded. xxxxxx! - Due Diligence Vendor-12/03/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary . Provide Bank statement income worksheet to show $426,239.30 per month. - Due Diligence Vendor-11/28/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 2.4% 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 43.48% 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 64.67 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review851413_xxxxxx_12_3_2025_100705_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851417 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851433 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851460 | xxxxxx | B A | Closed | xxxxxx | 2025-11-05 18:32 | 2025-11-05 18:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client granted exception with compensating factors. Housing History Does Not Meet Guideline Requirements No primary housing history, living rent free with spouse. - Due Diligence Vendor-11/05/2025 |  | Waived-Client granted exception with compensating factors. Housing History Does Not Meet Guideline Requirements No primary housing history, living rent free with spouse. - Due Diligence Vendor-11/05/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.95 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1. LTV/CLTV 5% or more below the maximum allowed under applicable guidelines.<br> 2. 0x30 for 48 months on all mortgages |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 851466 | xxxxxx | D A | Closed | xxxxxx | 2025-12-02 13:37 | 2025-12-09 07:51 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Final 1003 - Due Diligence Vendor-12/08/2025 <br>Open-The Final 1003 is Missing. - Due Diligence Vendor-12/02/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.87% 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 - 25.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.34 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 - 18.58 Years |  | Full Review851466_xxxxxx_12_5_2025_101601_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851507 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-04 12:14 | 2025-12-13 09:02 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-12/13/2025 <br>Ready for Review-Document Uploaded. Please see CDA - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/08/2025 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.2) The CU Score and LCA score exceed 2.5%. A Third Party Valuation Product Was Not Provided in file. - Due Diligence Vendor-12/08/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-12/13/2025<br>| Residual Income Greater Than Minimum Guideline Requirement - by 1.5x+ the minimum required amount.<br>Borrower 1 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 |  | 851507_xxxxxx_CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851507 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-04 09:59 | 2025-12-11 13:44 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Please see lease and payment - Due Diligence Vendor-12/10/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-12/04/2025 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-12/11/2025<br>| Residual Income Greater Than Minimum Guideline Requirement - by 1.5x+ the minimum required amount.<br>Borrower 1 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 |  | Full Review851507_xxxxxx_12_9_2025_125602_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851507 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-04 12:46 | 2025-12-04 12:52 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Client granted exception with compensating factors. <br> which allows for 100% gift. - Due Diligence Vendor-12/04/2025 |  | Waived-Client granted exception with compensating factors. <br> which allows for 100% gift. - Due Diligence Vendor-12/04/2025<br>| Residual Income Greater Than Minimum Guideline Requirement - by 1.5x+ the minimum required amount.<br>Borrower 1 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 | Employed in same profession > 10 years<br>Residual Income Residual income more than 2.5x the amount required by guidelines<br>Residual Income Residual income more than 2.5x the amount required by guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 851507 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-04 12:44 | 2025-12-04 12:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Waived-Client granted exception with compensating factors. Prior exception null/void as the ltv was reduced to 80% - Due Diligence Vendor-12/04/2025 |  | Waived-Client granted exception with compensating factors. Prior exception null/void as the ltv was reduced to 80% - Due Diligence Vendor-12/04/2025<br>| Residual Income Greater Than Minimum Guideline Requirement - by 1.5x+ the minimum required amount.<br>Borrower 1 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 | Employed in same profession > 10 years<br>Residual Income Residual income more than 2.5x the amount required by guidelines<br>Residual Income Residual income more than 2.5x the amount required by guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 851507 | xxxxxx | D B A C | Closed | xxxxxx | 2025-12-04 12:47 | 2025-12-04 12:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client granted exception with compensating factors. <br> Looking for new exception on the DTI - FTHB max is 45, we are at 45.706. - Due Diligence Vendor-12/04/2025 |  | Waived-Client granted exception with compensating factors. <br> Looking for new exception on the DTI - FTHB max is 45, we are at 45.706. - Due Diligence Vendor-12/04/2025<br>| Residual Income Greater Than Minimum Guideline Requirement - by 1.5x+ the minimum required amount.<br>Borrower 1 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 | Employed in same profession > 10 years<br>Residual Income Residual income more than 2.5x the amount required by guidelines<br>Residual Income Residual income more than 2.5x the amount required by guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 851522 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851525 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851530 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851538 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851556 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-09 09:41 | 2025-12-13 09:06 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/13/2025 <br>Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-12/12/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/09/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/13/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.68% 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 51.01% 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 682 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 - 37 Years |  | Full Review851556_xxxxxx_12_12_2025_125230_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851556 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-09 07:35 | 2025-12-13 09:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/13/2025 <br>Ready for Review-Document Uploaded. Please see worksheet - Due Diligence Vendor-12/12/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/09/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/13/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.68% 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 51.01% 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 682 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 - 37 Years |  | Full Review851556_xxxxxx_12_12_2025_14851_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851556 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-09 08:13 | 2025-12-13 09:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/13/2025 <br>Ready for Review-Document Uploaded. Please see VVOE - Due Diligence Vendor-12/12/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/09/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/13/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.68% 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 51.01% 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 682 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 - 37 Years |  | Full Review851556_xxxxxx_12_12_2025_14940_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851556 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-09 08:34 | 2025-12-09 08:34 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client granted exception with compensating factors. Income and Employment Do Not Meet Guidelines Requesting an exception for the 5 NSF fees within the last 3 months. - Due Diligence Vendor-12/09/2025 |  | Waived-Client granted exception with compensating factors. Income and Employment Do Not Meet Guidelines Requesting an exception for the 5 NSF fees within the last 3 months. - Due Diligence Vendor-12/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.68% 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 51.01% 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 682 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 - 37 Years | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DTI <= 36% which is below requirement in guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 851557 | xxxxxx | B A | Closed | xxxxxx | 2025-11-09 07:37 | 2025-11-09 07:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is non-warrantable | Waived-Client granted exception with compensating factors. Loan is underwritten to xxxxxx guidelines and condo is non-warrantable per xxxxxx. Exception approved for one entity owning over 10% of community - Due Diligence Vendor-11/09/2025 |  | Waived-Client granted exception with compensating factors. Loan is underwritten to xxxxxx guidelines and condo is non-warrantable per xxxxxx. Exception approved for one entity owning over 10% of community - Due Diligence Vendor-11/09/2025 | Audited reserves exceed guideline minimum - Audited reserves exceed minimum reserves by 4+ months.<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.71% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More | 1- Reserves exceed requirement by 2 months or more <br> 2- LTV/CLTV 10% or more below the maximum allowed under applicable guidelines |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 851562 | xxxxxx | C A | Closed | xxxxxx | 2025-11-20 10:51 | 2025-11-21 14:11 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National or Non-xxxxxx. Citizen Indicator | Resolved-Updated 1003 correcting Bwr's primary address provided. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Please see corrected 1003 - Due Diligence Vendor-11/21/2025 <br> Open-Borrower is a FN and loan is locked as a FN. Final 1003 lists the address as a city/state/zip of xxxxxx. However, a borrower residing at a xxxxxx address could not be a FN. Research of the address shows that the street address should be updated to xxxxxx and not xxxxxx. Updated final 1003 required to prove out FN eligibilty. - Due Diligence Vendor-11/20/2025 |  | Resolved-Updated 1003 correcting Bwr's primary address provided. - Due Diligence Vendor-11/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | Full Review851562_xxxxxx_11_20_2025_15155_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851619 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-12 15:55 | 2025-12-30 15:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 43.07% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/30/2025 <br>Ready for Review-Please see attached an updated worksheet including the borrowers name, loan number, deposits each month and as previously stated we are using both accounts. I have reattached the xxxxxx accnt in case they dont have that as they stated they have xxxxxx accounts. These are the 2 accounts that were used in the attached income calculation worksheets. - Due Diligence Vendor-12/30/2025 <br>Open-Audited DTI of 62.28% exceeds Guideline DTI of 50% DTI is off because liability monthly payments and balances are higher than the final 1003 when using the latest credit report. There are also 2 more liabilities listed on the credit report than where listed on the final 1003. <br>Income is less than the lender had. No lender income worksheet provided so unable to determine how lender calculated bank statement income. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-Audited DTI of 43.07% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/30/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.07% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.78 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 - 17.88 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.89 Years |  | xxxxxx 81407 income.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851619 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-12 15:34 | 2025-12-30 15:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Please see attached an updated worksheet including the borrowers name, loan number, deposits each month and as previously stated we are using both accounts. I have reattached the xxxxxx accnt in case they dont have that as they stated they have xxxxxx accounts. These are the 2 accounts that were used in the attached income calculation worksheets. - Due Diligence Vendor-12/29/2025 <br> Counter-Document Uploaded. The Income worksheet is still missing the Borrower name, Loan number, Each month total Deposits and the Worksheet also states xxxxxx xxxxxx was used however the file contains xxxxxx xxxxxx was used for qualifying. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. See attached sellers income worksheet. - Due Diligence Vendor-12/22/2025 <br> Counter-The Income worksheet is missing the Borrower name, Loan number and the Worksheet also states xxxxxx xxxxxx was used however the file contains xxxxxx xxxxxx was used for qualifying. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. See attached bank stmt worksheet - Due Diligence Vendor-12/18/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/12/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/29/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.07% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.78 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 - 17.88 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.89 Years |  | Full Review851619_xxxxxx_12_17_2025_41641_PM.zip<br> Full Review851619_xxxxxx_12_18_2025_13442_PM.zip<br> Screenshot 2025-12-22 105918.jpg<br> 851619_xxxxxx_81407_income.pdf<br> 851619_xxxxxx_81407_wf.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851619 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-16 12:50 | 2025-12-29 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved- - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Please see attached an updated worksheet including the borrowers name, loan number, deposits each month and as previously stated we are using both accounts. I have reattached the xxxxxx accnt in case they dont have that as they stated they have xxxxxx accounts. These are the 2 accounts that were used in the attached income calculation worksheets. - Due Diligence Vendor-12/29/2025 <br> Counter-The Income worksheet is still missing the Borrower name, Loan number, Each month total Deposits and the Worksheet also states xxxxxx xxxxxx was used however the file contains xxxxxx xxxxxx was used for qualifying. If Business xxxxxx statements were used, then all bank statements need to be provided. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. See sellers attached rebuttal - Due Diligence Vendor-12/22/2025 <br> Open-Per guidelines when using personal bank statements for income qualification 2 months business bank statements are required as well. <br>Provide evidence stating why transfers are not excluded from bank statement income. - Due Diligence Vendor-12/16/2025 |  |  | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.07% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.78 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 - 17.88 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.89 Years |  | Full Review851619_xxxxxx_12_19_2025_121023_PM.zip<br> 851619_xxxxxx_81407_wf.pdf<br> 851619_xxxxxx_81407_income.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851619 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-16 13:57 | 2025-12-23 12:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Lender explained that fee was paid to a third party provider. - Due Diligence Vendor-12/23/2025 <br>Resolved- - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. See sellers attached rebuttal - Due Diligence Vendor-12/22/2025 <br>Open-\*\*\*\*\* The following charges have been either added or increased: Recording Service Fee (paid to an affiliate) resulting in a 0% tolerance cure in the amount of $15. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $15 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/16/2025 <br>Open- - Due Diligence Vendor-12/16/2025 <br>Open- - Due Diligence Vendor-12/16/2025 <br>Open- - Due Diligence Vendor-12/16/2025 |  | Resolved-\*\*Lender explained that fee was paid to a third party provider. - Due Diligence Vendor-12/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.07% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.78 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 - 17.88 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.89 Years |  | Full Review851619_xxxxxx_12_18_2025_13658_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851619 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-16 13:57 | 2025-12-23 12:56 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Lender explained that fee was paid to a third party provider. - Due Diligence Vendor-12/23/2025 <br>Resolved- - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. See attached seller email rebuttal - Due Diligence Vendor-12/22/2025 <br>Open-\*\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Recording Service Fee (paid to an affiliate) resulting in a 0% tolerance cure in the amount of $15. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $15 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/16/2025 <br>Open- - Due Diligence Vendor-12/16/2025 <br>Open- - Due Diligence Vendor-12/16/2025 <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-12/16/2025 <br>Open- - Due Diligence Vendor-12/16/2025 |  | Resolved-\*\*Lender explained that fee was paid to a third party provider. - Due Diligence Vendor-12/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.07% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.78 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 - 17.88 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.89 Years |  | Full Review851619_xxxxxx_12_18_2025_13730_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851619 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-16 13:57 | 2025-12-23 12:56 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Lender explained that fee was paid to a third party provider. - Due Diligence Vendor-12/23/2025 <br>Resolved- - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. See attached seller email rebuttal - Due Diligence Vendor-12/22/2025 <br>Open-\*\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Recording Service Fee (paid to an affiliate) resulting in a 0% tolerance cure in the amount of $15. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $15 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/16/2025 <br>Open- - Due Diligence Vendor-12/16/2025 <br>Open- - Due Diligence Vendor-12/16/2025 <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-12/16/2025 <br>Open- - Due Diligence Vendor-12/16/2025 |  | Resolved-\*\*Lender explained that fee was paid to a third party provider. - Due Diligence Vendor-12/23/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.07% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.78 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 - 17.88 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.89 Years |  | Full Review851619_xxxxxx_12_18_2025_13807_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851619 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-16 17:35 | 2025-12-18 10:42 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Per Guidelines: Non-Agency (Non-QM) – First Lien - appraisal review product is required on every loan file - The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® <br> (LCA). An eligible score is 2.5 or less. Lender provided a LCA with a score of 1 / Eligible. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. See attached xxxxxx LCA 1 - Due Diligence Vendor-12/18/2025 <br>Open- - Due Diligence Vendor-12/16/2025 |  | Resolved-Per Guidelines: Non-Agency (Non-QM) – First Lien - appraisal review product is required on every loan file - The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® <br> (LCA). An eligible score is 2.5 or less. Lender provided a LCA with a score of 1 / Eligible. - Due Diligence Vendor-12/18/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.07% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.78 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 - 17.88 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.89 Years |  | Full Review851619_xxxxxx_12_17_2025_42708_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851619 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-12 16:04 | 2025-12-16 12:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client granted exception with compensating factors. exception for 10 NSF in the previous 12 months. Max 3 due 1, 1 in most recent 3 months. page #374 - Due Diligence Vendor-12/12/2025 |  | Waived-Client granted exception with compensating factors. exception for 10 NSF in the previous 12 months. Max 3 due 1, 1 in most recent 3 months. page #374 - Due Diligence Vendor-12/12/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.07% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.78 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 - 17.88 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.89 Years | \* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> \*Reserves exceed requirement by 10 months or more<br> \*Credit Score 10 points > minimum required<br> \*Employed in same profession > 10 years<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 851621 | xxxxxx | B A | Closed | xxxxxx | 2025-12-05 14:22 | 2025-12-11 13:46 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-12/10/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/05/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/11/2025<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 0.19<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 - 12.79 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 - 25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.66 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | Full Review851621_xxxxxx_12_9_2025_114019_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851644 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-19 12:37 | 2025-11-24 16:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Client granted exception with compensating factors. Client provided guideline exception with comp factors. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-11/24/2025 <br> Open-The xxxxxx is in control of the HOA The xxxxxx is in control of the xxxxxx be turned over to HOA @ 12/31/2025. Section 2.9.10.2 of teh Guidelines do not allow established condo proejcts to be controlled by xxxxxx. - Due Diligence Vendor-11/19/2025 |  | Waived-Client granted exception with compensating factors. Client provided guideline exception with comp factors. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.73 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 28.73 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments | Compensating Factor 1 - Credit Score 30+ points > minimum required;<br> Compensating Factor 2 - Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 851659 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851670 | xxxxxx | D A | Closed | xxxxxx | 2025-11-06 10:28 | 2025-11-06 15:39 | 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-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/06/2025 <br>Open-Third Party Fraud Report Partially Provided Missing complete xxxxxx reports with alerts and clearing red flags/alerts - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 19.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx REPORT.pdf<br>xxxxxx REPORT (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851680 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-11 14:14 | 2025-12-17 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA provided. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Please see the HOA Letter. xxxxxx! - Due Diligence Vendor-12/16/2025 <br> Open-Missing HOA statement for xxxxxx to verify PITIA per final 1003 page 905 - Due Diligence Vendor-12/11/2025 |  | Resolved-HOA provided. - Due Diligence Vendor-12/17/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.83 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 - 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 - 12.93 Years |  | Full Review851680_xxxxxx_12_15_2025_23551_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851680 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-10 12:52 | 2025-12-17 07:53 | 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-12/17/2025 <br> Ready for Review-Document Uploaded. Please see the COC LE. xxxxxx! - Due Diligence Vendor-12/16/2025 <br> Open-\*\*\*\*Not provided: A Locked Loan Estimate or Closing Disclosure (as applicable),), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms, is required to be provided to the consumer within 3 business days after loan is Locked xxxxxx. - Due Diligence Vendor-12/11/2025 <br> Open-Missing Locked LE \*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-12/10/2025 |  | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.83 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 - 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 - 12.93 Years |  | Full Review851680_xxxxxx_12_15_2025_23513_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851680 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-10 12:53 | 2025-12-17 07:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025 <br> Resolved- - Due Diligence Vendor-12/17/2025 <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 $8,250.00.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). \*\*\*\*Not provided: A Locked Loan Estimate or Closing Disclosure (as applicable),), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms, is required to be provided to the consumer within 3 business days after loan is Locked xxxxxx. - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 |  | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.83 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 - 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 - 12.93 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851680 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-10 12:53 | 2025-12-17 07:53 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025 <br> Resolved- - Due Diligence Vendor-12/17/2025 <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. \*\*\*\*Not provided: A Locked Loan Estimate or Closing Disclosure (as applicable),), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms, is required to be provided to the consumer within 3 business days after loan is Locked xxxxxx. - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 |  | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.83 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 - 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 - 12.93 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851680 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-10 12:53 | 2025-12-17 07:53 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025 <br> Resolved- - Due Diligence Vendor-12/17/2025 <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. \*\*\*\*Not provided: A Locked Loan Estimate or Closing Disclosure (as applicable),), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms, is required to be provided to the consumer within 3 business days after loan is Locked xxxxxx. - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 |  | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.83 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 - 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 - 12.93 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851680 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-11 14:36 | 2025-12-11 14:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Property | Waived-Client granted exception with compensating factors. Acreage of property is xxxxxx acres, program limits are exactly20 acres. Exception page 482 - Due Diligence Vendor-12/11/2025 |  | Waived-Client granted exception with compensating factors. Acreage of property is xxxxxx acres, program limits are exactly20 acres. Exception page 482 - Due Diligence Vendor-12/11/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.83 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 - 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 - 12.93 Years | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Residual income more than 2.5x the amount required by guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 851689 | xxxxxx | D A | Closed | xxxxxx | 2025-11-13 09:01 | 2025-11-18 08:12 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Internal Appraisal Review | Resolved-Desk review provided - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. see CDA attached - Due Diligence Vendor-11/17/2025 <br>Open-Missing internal appraisal review per guidelines-- An appraisal review product is required on every loan file unless a second appraisal is obtained - Due Diligence Vendor-11/13/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-11/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.17 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years |  | Full Review851689_xxxxxx_11_17_2025_110032_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851690 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851737 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 851740 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851743 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851763 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851769 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 07:58 | 2025-12-10 12:01 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 2 Credit Report is Incomplete | Resolved- - Due Diligence Vendor-12/10/2025 <br> Open-Borrower 2 Credit Report is Partially Present. - Due Diligence Vendor-12/10/2025 <br> Resolved-The credit report was ran with all borrowers, COB did not return a score. - Due Diligence Vendor-12/09/2025 <br> Open-Borrower 2 Credit Report is Partially Present. Provided credit report missing the credit score from xxxxxx and xxxxxx. Provide the correct credit report. - Due Diligence Vendor-12/05/2025 |  | Resolved-The credit report was ran with all borrowers, COB did not return a score. - Due Diligence Vendor-12/09/2025<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 - 11.91 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.69% 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 51.95% 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 797 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 - 11.83 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.91 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.82 Are Greater Than The Guideline Minimum Of 12 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 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 851769 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 07:56 | 2025-12-10 12:01 | 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-12/10/2025 <br>Ready for Review-Document Uploaded. See attached gap report - Due Diligence Vendor-12/09/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/05/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/10/2025<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 0.06<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 - 11.91 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.69% 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 51.95% 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 797 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 - 11.83 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.91 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.82 Are Greater Than The Guideline Minimum Of 12 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 |  | Full Review851769_xxxxxx_12_8_2025_52629_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 851769 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 07:56 | 2025-12-10 12:01 | 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-12/10/2025 <br>Ready for Review-See attached gap report - Due Diligence Vendor-12/09/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-12/05/2025 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/10/2025<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 0.06<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 - 11.91 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.69% 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 51.95% 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 797 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 - 11.83 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.91 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.82 Are Greater Than The Guideline Minimum Of 12 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 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 851770 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851774 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851783 | xxxxxx | D A | Closed | xxxxxx | 2025-11-17 00:06 | 2025-11-21 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. See attached insurance documentation - Due Diligence Vendor-11/20/2025 <br>Open-Missing Hazard Insurance Policy Hazard Insurance Policy is Missing - Due Diligence Vendor-11/17/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | Full Review851783_xxxxxx_11_20_2025_103724_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851791 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851812 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 09:11 | 2025-12-05 10:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/04/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary missing lender worksheet - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.85% 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 38.1% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | Income Worksheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851812 | xxxxxx | D A | Closed | xxxxxx | 2025-11-25 02:04 | 2025-12-03 15:00 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/03/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 91.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.85% 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 38.1% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851817 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851819 | xxxxxx | D A | Closed | xxxxxx | 2025-12-11 11:02 | 2025-12-18 09:26 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/17/2025 <br>Open-The Desk Review value variance is 17.11%. - Due Diligence Vendor-12/11/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-12/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 31.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxxxxx CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851835 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851893 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851909 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-26 20:23 | 2025-12-05 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Signed CERTIFICATE OF INCORPORATION provided. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. 12/3/25 - please see attached. - Due Diligence Vendor-12/04/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing proof per GL 2.7.6.2.2 to verify that the borrower holds at least 25% ownership of the business. Provide one of the following reflecting the borrower's ownership percentage: a CPA letter, tax preparer letter, operating agreement, or equivalent documentation. (CERTIFICATE OF INCORPORATION for xxxxxx. is incomplete and unsigned) - Due Diligence Vendor-11/27/2025 |  | Resolved-Signed CERTIFICATE OF INCORPORATION provided. - Due Diligence Vendor-12/05/2025<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 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 35.00 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 - 26.50 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 691 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 0.07<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 - 26.73 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 15.79% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 851909_xxxxxx_Certificate_of_Incorporation.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851926 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851948 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851980 | xxxxxx | D A | Closed | xxxxxx | 2025-11-04 10:45 | 2025-11-13 14:10 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Unexecuted | Resolved- - Due Diligence Vendor-11/13/2025 <br> Counter-Missing the "see signature addendum" that is attached to the Settlement statement. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. 11/12/25 - Please see attached executed HELOC agreement and wire confirmation. Wired funds to close came from HELOC advance. - Buyer-11/12/2025 <br> Counter-Document Uploaded. The SS for the new Heloc Loan where the bwr is using xxxxxx towards the purchase if the subject loan/property states "see signature addendum" which is missing from the loan file. TPR needs to verify that the xxxxxx was the final Cash out to the borrower. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-11/6/25 - Lender response: The SS in file for that property does not have a signature line/not required and also, the HELOC loan agreement is in file which shows a credit limit of $225K. The SS was included only as reference to show where the funds are coming from. Requesting condition to be reconsidered/rescinded or advise what additional documentation is required. - Due Diligence Vendor-11/06/2025 <br> Open-Received settlement statement is Unexecuted, Provide executed copy for the property "xxxxxx" - Due Diligence Vendor-11/04/2025 |  |  | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  | Screenshot 2025-11-07 112338.jpg<br> xxxxxx HELOC.pdf<br> xxxxxx HELOC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851980 | xxxxxx | D A | Closed | xxxxxx | 2025-11-05 10:39 | 2025-11-07 11:27 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Updated rate lock now reflecting xxxxxx DSCR < 1.00 30 YR FIXED 3 YR PPP provided. <br> - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. 11/6/25 - lock confirmation - Due Diligence Vendor-11/06/2025 <br> Open-Unable to locate lender approval or rate lock reflecting the DSCR loan program. - Due Diligence Vendor-11/05/2025 |  | Resolved-Updated rate lock now reflecting xxxxxx DSCR < 1.00 30 YR FIXED 3 YR PPP provided. <br> - Due Diligence Vendor-11/07/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  | Full Review851980_xxxxxx_11_6_2025_100100_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852033 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852042 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 13:51 | 2025-12-15 09:23 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/12/2025 <br> Counter-xxxxxx FCD issued at consummation has not been provided - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/03/2025 <br> Open-TRID: Missing Final Closing Disclosure \*\*\*Lender to provide the missing Initial Loan Estimate, Revised Loan Estimate, any applicable COCs, and copy of the Final Closing Disclosure. Documents are needed to complete compliance testing.<br> - Due Diligence Vendor-11/14/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/15/2025<br>|  |  | Full Review852042_xxxxxx_12_3_2025_13947_PM.zip<br> Full Review852042_xxxxxx_12_11_2025_34132_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852042 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 06:23 | 2025-12-10 12:23 | 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-12/10/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-12/09/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $1590013. - Due Diligence Vendor-11/14/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/10/2025<br>|  |  | 852042_xxxxxx_-_Replacement_Cost_Letter.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852042 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 10:53 | 2025-12-10 12:22 | 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-12/10/2025 <br>Ready for Review-Document Uploaded. it looks like they are not giving EM credit of $184,200. Attached are those docs - Due Diligence Vendor-12/09/2025 <br>Open-Total Liquid Assets Available for Close of $125494.16 is less than Total Cash to Close $203453.31. - Due Diligence Vendor-11/14/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-12/10/2025<br>|  |  | Full Review852042_xxxxxx_12_8_2025_34735_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852042 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 13:58 | 2025-12-04 09:13 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE & SPL provided - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/03/2025 <br>Open-\*\*\*Lender to provide the missing Initial Loan Estimate, Revised Loan Estimate, any applicable COCs, and copy of the Final Closing Disclosure. Documents are needed to complete compliance testing. - Due Diligence Vendor-11/14/2025 |  | Resolved-ILE & SPL provided - Due Diligence Vendor-12/04/2025<br>|  |  | Full Review852042_xxxxxx_12_3_2025_13952_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852042 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 14:05 | 2025-12-04 09:13 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-ILE & SPL provided - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/03/2025 <br>Open-Service Provider List is Missing - Due Diligence Vendor-11/14/2025 |  | Resolved-ILE & SPL provided - Due Diligence Vendor-12/04/2025<br>|  |  | 852042_xxxxxx-service_provider_list.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852043 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 08:27 | 2025-12-17 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Valid self employed VOE provided. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. VVOE has been added, 120 days within compliance. - Due Diligence Vendor-12/16/2025 <br> Counter-Condition is for Missing VVOE Prior to Close of xxxxxx - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/04/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/14/2025 |  | Resolved-Valid self employed VOE provided. - Due Diligence Vendor-12/17/2025 |  |  | Full Review852043_xxxxxx_12_3_2025_21012_PM.zip<br> Full Review852043_xxxxxx_12_16_2025_114207_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852043 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 16:39 | 2025-12-04 11:18 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), received, data entered, no additional compliance findings. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/04/2025 <br>Open-1. LE/CD missing. <br> \*\*\*\*\*\*Documentation provided does not contain the INITIAL LOAN ESTIMATE MISSING ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. <br> - Due Diligence Vendor-11/14/2025 |  | Resolved-complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), received, data entered, no additional compliance findings. - Due Diligence Vendor-12/04/2025<br>|  |  | Full Review852043_xxxxxx_12_3_2025_21021_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852043 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-17 10:27 | 2025-11-19 17:14 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-11/19/2025 <br>Open-Required Affiliated Business Disclosure Missing Affiliated Business Disclosure Missing - Due Diligence Vendor-11/17/2025 |  | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-11/19/2025<br>|  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852046 | xxxxxx | C A | Closed | xxxxxx | 2025-11-14 01:56 | 2025-12-10 08:24 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Please see attached CDA - Due Diligence Vendor-12/09/2025 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.5) . Provide additional 3rd party review to support the appraised value. - Due Diligence Vendor-11/14/2025 |  | Resolved-Desk review provided. - Due Diligence Vendor-12/10/2025<br>|  |  | Full Review852046_xxxxxx_12_8_2025_35902_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852046 | xxxxxx | C A | Closed | xxxxxx | 2025-11-14 10:13 | 2025-12-04 11:37 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Sufficient TRID history received, data entered, no additional compliance findings. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/04/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate . ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings<br> - Due Diligence Vendor-11/14/2025 |  | Resolved-Sufficient TRID history received, data entered, no additional compliance findings. - Due Diligence Vendor-12/04/2025<br>|  |  | Full Review852046_xxxxxx_12_3_2025_20147_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852046 | xxxxxx | C A | Closed | xxxxxx | 2025-11-14 10:15 | 2025-12-04 11:37 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Resolved-Sufficient TRID history received, data entered, no additional compliance findings. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/04/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Final Closing Disclosure & Post Consummation Closing Disclosure. Final Closing Disclosure Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-11/14/2025 |  | Resolved-Sufficient TRID history received, data entered, no additional compliance findings. - Due Diligence Vendor-12/04/2025<br>|  |  | Full Review852046_xxxxxx_12_3_2025_20145_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852047 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-10 12:47 | 2025-12-15 13:19 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: The request for an exception to xxxxxx eligibility criteria is granted for HOI Policy - Due Diligence Vendor-12/15/2025 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 6 months or more / Compensating Factor 3 - DTI <= 36% which is below requirement in guidelines - Due Diligence Vendor-12/15/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx Missing HOI Policy at the time of closing dated in xxxxxx - Due Diligence Vendor-12/10/2025 |  | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: The request for an exception to xxxxxx eligibility criteria is granted for HOI Policy - Due Diligence Vendor-12/15/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Qualifying DTI is 5%+ below guideline requirement of 43%<br>Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by 6+ months | Compensating Factor 1 - Credit Score 30+ points > minimum required <br> Compensating Factor 2 - Reserves exceed requirement by 6 months or more <br> Compensating Factor 3 - DTI <= 36% which is below requirement in guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 852047 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-04 16:53 | 2025-12-13 09:11 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-12/13/2025 <br>Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/04/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-12/13/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Qualifying DTI is 5%+ below guideline requirement of 43%<br>Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by 6+ months |  | Full Review852047_xxxxxx_12_12_2025_105347_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852047 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-14 13:19 | 2025-12-10 12:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/09/2025 <br>Open-Missing Hazard Insurance Policy 4 things marked hazard policy in the uploaded file package, all for a nonsubject property. We do not have any subject property hazard policy uploaded - Due Diligence Vendor-11/18/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Qualifying DTI is 5%+ below guideline requirement of 43%<br>Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by 6+ months |  | 852047_xxxxxx_HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852047 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-14 13:53 | 2025-12-10 12:45 | 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-12/10/2025 <br> Ready for Review-disagree with finding. FUB does not pull gap credit reports or xxxxxx. We utilize Data Verifys undisclosed debt monitoring tool. - Due Diligence Vendor-12/09/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/14/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/10/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Qualifying DTI is 5%+ below guideline requirement of 43%<br>Audited reserves exceed guideline minimum - Audited reserves exceed guideline minimum by 6+ months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852050 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852051 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 16:40 | 2025-12-13 09:13 | 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-12/13/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/12/2025 <br> Counter-Condition is for a VVOE dated 10 day prior to closing of xxxxxx - the most recent VOE provided is dated xxxxxx - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/04/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/14/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/13/2025<br>|  |  | 852051_xxxxxx-br_1_income.pdf<br> 852051_xxxxxx_VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852051 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 16:40 | 2025-12-13 09:13 | 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-12/13/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/12/2025 <br> Counter-Unable to open attachments provided - Condition is for a VVOE dated 10 day prior to closing of xxxxxx - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/04/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/14/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/13/2025<br>|  |  | 852051_xxxxxx-B2_income.pdf<br> 852051_xxxxxx_VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852051 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 18:18 | 2025-12-10 08:30 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Please see attached CDA - Due Diligence Vendor-12/09/2025 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4) - Due Diligence Vendor-11/14/2025 |  | Resolved-Desk review provided. - Due Diligence Vendor-12/10/2025<br>|  |  | Full Review852051_xxxxxx_12_8_2025_35247_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852052 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852053 | xxxxxx | D A | Closed | xxxxxx | 2025-11-17 09:57 | 2025-12-17 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Final settlement statement from sale of xxxxxx provided. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/16/2025 <br> Counter-The condition is asking for the Final HUD/SS for the sale of property located at xxxxxx with net proceeds of at least $130,000 as shown on DU findings - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/04/2025 <br> Open-Missing HUD-1 or Seller CD from sale of departing residence xxxxxx with net proceeds of at least $130,000 as shown on DU findings. - Due Diligence Vendor-11/17/2025 |  | Resolved-Final settlement statement from sale of xxxxxx provided. - Due Diligence Vendor-12/17/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.88 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<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 - 6.19 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.39% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 852053_xxxxxx-seller_cd.pdf<br> Full Review852053_xxxxxx_12_16_2025_113430_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852053 | xxxxxx | D A | Closed | xxxxxx | 2025-11-14 08:04 | 2025-12-02 16:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided stating The subject has no apparent damage - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. See attached PDI - Due Diligence Vendor-12/02/2025 <br>Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-11/14/2025 |  | Resolved-PDI provided stating The subject has no apparent damage - Due Diligence Vendor-12/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.88 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<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 - 6.19 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.39% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review852053_xxxxxx_12_2_2025_124552_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852054 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-12 10:39 | 2026-01-12 10:41 | Waived | 2 - Non-Material C B | Credit | QM/ATR | ATR: Subject PITIA Not Adequately Documented | Waived-Client granted exception with compensating factors. Client exception granted to waive HOA dues verification. - Due Diligence Vendor-01/12/2026 <br>Open-Missing evidence of HOA dues for subject property. - Due Diligence Vendor-01/12/2026 |  | Waived-Client granted exception with compensating factors. Client exception granted to waive HOA dues verification. - Due Diligence Vendor-01/12/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.30 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 - 17.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Compensating Factor 1 - Residual income more than 1.5x the amount required by guidelines<br> Compensating Factor 2 - Reserves exceed requirement by 6 months or more" |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 852054 | xxxxxx | D B C A | Closed | xxxxxx | 2025-11-14 00:33 | 2025-12-17 14:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client granted exception with compensating factors. Document Uploaded. Client exception granted with compensating factors to allow a rural property that exceeds conforming loan limit - Due Diligence Vendor-12/17/2025 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Lender exception needed for rural property with above conforming loan limits. Appraiser notes subject property (PUD) is common to area and readily marketable and is only an acre in size. - Due Diligence Vendor-11/14/2025 |  | Waived-Client granted exception with compensating factors. Document Uploaded. Client exception granted with compensating factors to allow a rural property that exceeds conforming loan limit - Due Diligence Vendor-12/17/2025<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 0.16<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.30 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 - 17.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Compensating Factor 1 - Residual income more than 1.5x the amount required by guidelines<br> Compensating Factor 2 - Reserves exceed requirement by 6 months or more | 852054 xxxxxx exception.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 852054 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-04 11:59 | 2025-12-13 09:25 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-12/13/2025 <br>Ready for Review-Document Uploaded. see attached CDA - Due Diligence Vendor-12/12/2025 <br>Open-The Collateral Underwriter Score exceeds 2.5. - Due Diligence Vendor-12/04/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-12/13/2025<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 0.16<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.30 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 - 17.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.18 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review852054_xxxxxx_12_12_2025_110628_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852055 | xxxxxx | C A | Closed | xxxxxx | 2025-11-14 07:56 | 2025-12-10 08:32 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review completed - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Please see attached CDA - Due Diligence Vendor-12/09/2025 <br>Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.8) - Due Diligence Vendor-11/14/2025 |  | Resolved-Desk review completed - Due Diligence Vendor-12/10/2025<br>|  |  | Full Review852055_xxxxxx_12_8_2025_40019_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852056 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-14 01:48 | 2025-12-17 14:28 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived-Client granted exception with compensating factors. Document Uploaded. Client exception granted with compensating factors to waive HOI during construction period. - Due Diligence Vendor-12/17/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-11/14/2025 |  | Waived-Client granted exception with compensating factors. Document Uploaded. Client exception granted with compensating factors to waive HOI during construction period. - Due Diligence Vendor-12/17/2025<br>| Residual Income Greater Than Minimum Guideline Requirement - Residual income exceeds 1.5x the guideline requirement<br>Audited reserves exceed guideline minimum - Audited reserves of 59.85 months exceed guideline minimum of 6 by 12+ months. | Compensating Factor 1 - Credit Score 30+ points > minimum required <br> Compensating Factor 2 - Reserves exceed requirement by 10 months or more <br> Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines | 852054 xxxxxx exception.pdf<br> 852056 xxxxxx exception.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 852056 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-14 02:45 | 2025-12-17 14:28 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Client granted exception with compensating factors. Client exception granted with compensating factors to waive VOE within 10 days of closing. - Due Diligence Vendor-12/17/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VOE within 10 business days of closing date. - Due Diligence Vendor-11/14/2025 |  | Waived-Client granted exception with compensating factors. Client exception granted with compensating factors to waive VOE within 10 days of closing. - Due Diligence Vendor-12/17/2025<br>| Residual Income Greater Than Minimum Guideline Requirement - Residual income exceeds 1.5x the guideline requirement<br>Audited reserves exceed guideline minimum - Audited reserves of 59.85 months exceed guideline minimum of 6 by 12+ months. | Compensating Factor 1 - Credit Score 30+ points > minimum required <br> Compensating Factor 2 - Reserves exceed requirement by 10 months or more <br> Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 852056 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-17 14:33 | 2025-12-10 08:34 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Please see attached CDA - Due Diligence Vendor-12/09/2025 <br>Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-11/17/2025 |  | Resolved-Desk review provided. - Due Diligence Vendor-12/10/2025<br>| Residual Income Greater Than Minimum Guideline Requirement - Residual income exceeds 1.5x the guideline requirement<br>Audited reserves exceed guideline minimum - Audited reserves of 59.85 months exceed guideline minimum of 6 by 12+ months. |  | Full Review852056_xxxxxx_12_8_2025_35603_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852057 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-14 01:47 | 2025-12-10 15:57 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived-Client granted exception with compensating factors. Client provided guideline exception based on the comp factors provided. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-12/10/2025 <br> Counter-Missing the HOI Policy prior to Closing date of xxxxxx - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/09/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-11/14/2025 |  | Waived-Client granted exception with compensating factors. Client provided guideline exception based on the comp factors provided. - Due Diligence Vendor-12/10/2025<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 - 5.87 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.05 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.16% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines; Compensating Factor 2 - Credit Score 30+ points > minimum required; Compensating Factor 3 - Reserves exceed requirement by 10 months or more; | Full Review852057_xxxxxx_12_8_2025_40621_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 852058 | xxxxxx | D B A C | Closed | xxxxxx | 2025-11-17 14:30 | 2025-12-16 15:27 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD issued Within 60 days of xxxxxx discovery date, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/16/2025 <br> Resolved- - Due Diligence Vendor-12/16/2025 <br> Open-The following charges have been increased: Verification Of Employment Fee resulting in a 0% tolerance cure in the amount of $72.90. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $72.90 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <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 $72.90.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-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 |  | Cured-Curative PCCD issued Within 60 days of xxxxxx discovery date, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/16/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852058 | xxxxxx | D B A C | Closed | xxxxxx | 2025-11-17 14:30 | 2025-12-16 15:27 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD issued Within 60 days of xxxxxx discovery date, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/16/2025 <br> Resolved- - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. pleas see attached - Due Diligence Vendor-12/16/2025 <br> Counter-Documentation provided does not address finding. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-12/12/2025 <br> Open-The following charges have been increased: Verification Of Employment Fee resulting in a 0% tolerance cure in the amount of $72.90. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $72.90 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <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-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 |  | Cured-Curative PCCD issued Within 60 days of xxxxxx discovery date, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/16/2025 |  |  | 852058_xxxxxx-coc.pdf<br> Full Review852058_xxxxxx_12_15_2025_41650_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852058 | xxxxxx | D B A C | Closed | xxxxxx | 2025-11-17 14:30 | 2025-12-16 15:27 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD issued Within 60 days of xxxxxx discovery date, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/16/2025 <br> Resolved- - Due Diligence Vendor-12/16/2025 <br> Open-The following charges have been increased: Verification Of Employment Fee resulting in a 0% tolerance cure in the amount of $72.90. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $72.90 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <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-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 |  | Resolved-Curative PCCD issued Within 60 days of xxxxxx discovery date, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/16/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852058 | xxxxxx | D B A C | Closed | xxxxxx | 2025-11-13 21:13 | 2025-12-15 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/15/2025 <br> Counter-Document Uploaded. Missing HOI Policy for Subject Loan located at xxxxxx with sufficient Dwelling coverage of xxxxxx or provide RCE- The Policy that was provided is for xxxxxx. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-12/03/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/14/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/15/2025<br>|  |  | Full Review852058_xxxxxx_12_3_2025_14545_PM.zip<br> Screenshot 2025-12-04 085130.jpg<br> 852058_xxxxxx-hoi.pdf<br> Full Review852058_xxxxxx_12_12_2025_33426_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852095 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852111 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852113 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852123 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852145 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852150 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 07:42 | 2025-12-10 13:25 | Resolved | 1 - Information D A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Gift funds letter and proof of canceled check for $20K provided. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. See gift deposit - Due Diligence Vendor-12/09/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements. Provide documentation to evidence $20,000 gift as seen on the final CD including wire receipt and gift letter. Gift letter, and check that cleared, shows the $20,000 gift provided was deposited into the borrowers account prior to closing. No documentation was provided for the additional $20,000 gift showing on the final CD. - Due Diligence Vendor-12/03/2025 |  | Resolved-Gift funds letter and proof of canceled check for $20K provided. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 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 - 5.24 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.39% 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 - 9.33 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 |  | Full Review852150_xxxxxx_12_8_2025_34909_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852181 | xxxxxx | C A | Closed | xxxxxx | 2025-12-01 06:01 | 2025-12-10 08:08 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. ICD - Due Diligence Vendor-12/09/2025 <br> Open-Initial Closing disclosure dated xxxxxx is missing in the packages, verified form the xxxxxx compliance report pg 793. - Due Diligence Vendor-12/01/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 1 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 5.84% 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 - 6.21 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.48 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review852181_xxxxxx_12_8_2025_23528_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852207 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852217 | xxxxxx | D A | Closed | xxxxxx | 2025-11-25 10:40 | 2025-12-01 14:23 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-Lender provided full bank statement income worksheet reflecting the 2 Checking account xxxxxx used for Income calculations. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see the attached xxxxxx UW Approval, 1003, 1008 and Worksheet all verifying Income used to qualify. In addition, please see the credit supplement to show that xxxxxx and xxxxxx are paid in full ($0). - Due Diligence Vendor-12/01/2025 <br> Open-Client worksheet reflected income of $13,384.91 and TPR income at $13,384. However, income on 1003 and 1008 shows income $13,818.05. Using the lower calculated income results in DTI exceeding 50%. Provide additional document for additional income used. - Due Diligence Vendor-11/25/2025 |  | Resolved-Lender provided full bank statement income worksheet reflecting the 2 Checking account xxxxxx used for Income calculations. - Due Diligence Vendor-12/01/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 75% 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 - 8.08 Years Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.93 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.93 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 - 23.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.17 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 - 11.93 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.93 Years |  | Full Review852217_xxxxxx_12_1_2025_120517_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852217 | xxxxxx | D A | Closed | xxxxxx | 2025-11-25 09:49 | 2025-12-01 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see all of the following our xxxxxx UW used to satisfy this condition. xxxxxx! - Due Diligence Vendor-12/01/2025 <br> Open-Third Party Fraud Report Partially Provided Provide Fraud/Drive report evidencing A Pass and all alerts being cleared. Report in file indicates some alerts as fail and auto refer - Due Diligence Vendor-11/25/2025 |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 75% 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 - 8.08 Years Borrower At Current Residence For Five (5) Or More Years - 8.08 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.93 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.93 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 - 23.17 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.17 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 - 11.93 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.93 Years |  | Full Review852217_xxxxxx_12_1_2025_113714_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852239 | xxxxxx | D A | Closed | xxxxxx | 2025-12-11 20:19 | 2025-12-15 18:14 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Second AVM provided. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. please see AVM - Due Diligence Vendor-12/12/2025 <br>Open-Missing guideline required secondary review product. Guidelines require both a primary and secondary valuation for all loan files. - Due Diligence Vendor-12/12/2025 |  | Resolved-Second AVM provided. - Due Diligence Vendor-12/15/2025<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 - 10.57 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.58 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.75% 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 11.83 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 0.19<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years |  | Full Review852239_xxxxxx_12_12_2025_14129_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852239 | xxxxxx | D A | Closed | xxxxxx | 2025-12-02 04:59 | 2025-12-11 20:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-O&E equivalent provided - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Please review guidelines, 3.11.1 TITLE REPORT this should be acceptable for program - Due Diligence Vendor-12/11/2025 <br>Counter-The condition is for the entire Title Policy - the document that is being provided is a Title Preview Summary - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Title is re-uploaded. - Due Diligence Vendor-12/09/2025 <br>Counter-Condition is requesting the Full title policy that's missing from the loan file. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Please see attached. - Due Diligence Vendor-12/08/2025 <br>Open-Title Document is missing - Due Diligence Vendor-12/02/2025 |  | Resolved-O&E equivalent provided - Due Diligence Vendor-12/12/2025<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 - 10.57 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.58 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.75% 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 11.83 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 0.19<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years |  | 852239_xxxxxx_88272126_Title_Commitment.pdf<br> Full Review852239_xxxxxx_12_8_2025_42317_PM.zip<br> 852239_xxxxxx_prelim.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852239 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 11:18 | 2025-12-08 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-12/08/2025 <br>Open-HOI is partial. Missing premium amount - Due Diligence Vendor-12/03/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/08/2025<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 - 10.57 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.58 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.75% 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 11.83 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 0.19<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years |  | 852239_xxxxxx_88272126_HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852254 | xxxxxx | C A | Closed | xxxxxx | 2025-11-25 10:15 | 2025-12-05 11:55 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Lease agreement provided and support rental income of $3800 per month - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/04/2025 <br> Open-Income and Employment Do Not Meet Guidelines Provide proof of gross rental income $3,800 a month used to qualify for other REO investment property located at xxxxxx - Due Diligence Vendor-11/25/2025 |  | Resolved-Lease agreement provided and support rental income of $3800 per month - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 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 0.22 |  | Lease Agreement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852257 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852269 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852271 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852272 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852278 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 21:08 | 2025-12-31 12:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Documentation provided stating the borrower did apply for her exemption. The county website shows the owner has been updated and the assessment still lists the tax exempt code as H3. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Please see tax LOE. Please have Management review, if possible, prior escalation. xxxxxx, - Due Diligence Vendor-12/31/2025 <br> Counter-The Property tax cert is in the name of the seller which states exempt from paying taxes however this is a Purchase and guidelines require HPML loans have an established escrow for both insurance and taxes - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Please see attached proof from county that borrower/trust is tax exempt. The tax doc was printed on 11/11/2025 and Note Date xxxxxx. - Due Diligence Vendor-12/09/2025 <br> Open-Subject loan is HPML - Guideline requires that HPML loans have an established escrow for both insurance and taxes. Subject loan only has insurance escrowed. - Due Diligence Vendor-12/06/2025 |  | Resolved-Documentation provided stating the borrower did apply for her exemption. The county website shows the owner has been updated and the assessment still lists the tax exempt code as H3. - Due Diligence Vendor-12/31/2025<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 - 27.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.00 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 - 27.90 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.90 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 690 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Qualifying FICO Of 690 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review852278_xxxxxx_12_8_2025_30831_PM.zip<br> 852278_xxxxxx_tax_lox.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852304 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852322 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-13 02:01 | 2025-11-28 09:23 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/28/2025 <br> Ready for Review-Document Uploaded. see refund check and fedex label to bwr - Seller-11/26/2025 <br> Counter-\*\*\*Lender intends to cure; missing copy of refund check. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. waiting on copy of bwr refund ck - Buyer-11/24/2025 <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. The following charges have been increased: transfer tax fee resulting in a 0% tolerance cure in the amount of $3.80. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $3.80 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/14/2025 <br> Open- - Due Diligence Vendor-11/14/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. see refund check and fedex label to bwr - Seller-11/26/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/28/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 31.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 8085% 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 725 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxxxxx FedEx Shipping Label.pdf<br> xxxxxx FedEx Shipping Label.pdf<br> xxxxxx Final xxxxxx.pdf<br> xxxxxx refund ck.pdf<br> xxxxxx FedEx Shipping Label.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852322 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-13 02:01 | 2025-11-28 09:23 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/28/2025 <br>Ready for Review-Document Uploaded. see refund ck and fedex label - Seller-11/26/2025 <br>Counter-\*\*\*Lender intends to cure; missing copy of refund check. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. waiting on copy of bwr refund ck - Seller-11/24/2025 <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. The following charges have been increased: transfer tax fee resulting in a 0% tolerance cure in the amount of $3.80. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $3.80 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/13/2025 <br>Open- - Due Diligence Vendor-11/13/2025 <br>Open- - Due Diligence Vendor-11/13/2025 <br>Open- - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. see refund ck and fedex label - Seller-11/26/2025 <br>Ready for Review-Document Uploaded. waiting on copy of bwr refund ck - Seller-11/24/2025<br>| Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/28/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 31.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 8085% 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 725 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxxxxx PCCD with letter.pdf<br> xxxxxx PCCD with letter.pdf<br> xxxxxx Final xxxxxx.pdf<br> xxxxxx refund ck.pdf<br> xxxxxx FedEx Shipping Label.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852322 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-13 02:01 | 2025-11-28 09:23 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/26/2025 <br>Counter-\*\*\*Lender intends to cure; missing copy of refund check. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. waiting on copy of bwr refund ck - Seller-11/24/2025 <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 $3.80.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 increased: transfer tax fee resulting in a 0% tolerance cure in the amount of $3.80. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $3.80 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/13/2025 <br>Open- - Due Diligence Vendor-11/13/2025 <br>Open- - Due Diligence Vendor-11/13/2025 <br>Open- - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. waiting on copy of bwr refund ck - Seller-11/24/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/28/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 31.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 75% Is Below The Guideline Maximum Of 8085% 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 725 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxxxxx PCCD with letter.pdf<br> xxxxxx Final xxxxxx.pdf<br> xxxxxx Final xxxxxx.pdf<br> xxxxxx FedEx Shipping Label.pdf<br> xxxxxx refund ck.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852323 | xxxxxx | C A | Closed | xxxxxx | 2025-12-03 09:45 | 2025-12-04 13:27 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Date is missing or inaccurate | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD showing the funded date is xxxxxx. xxxxxx - Seller-12/03/2025 <br> Open-Final CD closing and disbursement dates are inaccurate. Borrower signed xxxxxx and non borrower signed xxxxxx, after funding date of xxxxxx per FInal CD located in the file on page 110. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD showing the funded date is xxxxxx. xxxxxx - Seller-12/03/2025 | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.76% 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 - 5.79 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.62 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Post CD-9087.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852325 | xxxxxx | D A | Closed | xxxxxx | 2025-11-19 15:03 | 2025-11-24 14:55 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. Collateral underwriter with Risk Score 1.5 uploaded. Risk is below 2.5 threshold. - Due Diligence Vendor-11/24/2025 <br>Open- - Due Diligence Vendor-11/19/2025 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 285.53 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review852325_xxxxxx_11_21_2025_104719_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852344 | xxxxxx | D A | Closed | xxxxxx | 2025-12-02 00:56 | 2025-12-08 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-Per Guidelines: The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® (LCA). An eligible score is 2.5 or less - Lender provided CU with a score of 1 - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached SSR- showing risk score is 1 - Due Diligence Vendor-12/08/2025 <br>Open-Please verify Collateral Underwriter Score Provided is actually Missing. Please Provide Desk Review or Collateral Underwriter Doc. per guidelines- Primary valuation and secondary valuation (appraisal review) are required for all loan files. - Due Diligence Vendor-12/02/2025 |  | Resolved-Per Guidelines: The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® (LCA). An eligible score is 2.5 or less - Lender provided CU with a score of 1 - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio 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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review852344_xxxxxx_12_4_2025_33624_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852344 | xxxxxx | D A | Closed | xxxxxx | 2025-12-04 17:49 | 2025-12-08 14:15 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Per Guidelines: The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® (LCA). An eligible score is 2.5 or less - Lender provided CU with a score of 1 - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached SSR- showing risk score is 1 - Due Diligence Vendor-12/08/2025 <br>Open- - Due Diligence Vendor-12/04/2025 |  | Resolved-Per Guidelines: The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® (LCA). An eligible score is 2.5 or less - Lender provided CU with a score of 1 - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio 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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review852344_xxxxxx_12_4_2025_33624_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852348 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-25 06:53 | 2025-12-10 17:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-12/10/2025 <br>Open-Asset 3 Missing - Due Diligence Vendor-11/25/2025 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-12/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852348 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-25 05:38 | 2025-12-10 13:46 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Flood Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. See attached updated flood - Due Diligence Vendor-12/09/2025 <br> Open-Flood Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-11/25/2025 |  | Resolved-Flood Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review852348_xxxxxx_12_8_2025_43255_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852348 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-25 07:08 | 2025-12-10 08:03 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Settlement Agent is missing | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. See attached settlement statement - Due Diligence Vendor-12/09/2025 <br> Open-Final settlement statement / final CD for xxxxxx with net proceeds no less than<br> $28,000. Final CD / Settlement statement to reflect xxxxxx paid. - Due Diligence Vendor-11/25/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review852348_xxxxxx_12_8_2025_43510_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852350 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852357 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852368 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852425 | xxxxxx | D A | Closed | xxxxxx | 2025-12-02 08:13 | 2025-12-08 14:19 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please find the Approval. xxxxxx! - Due Diligence Vendor-12/08/2025 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-12/02/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 59.99% 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 44.4% Is Less Than The Guideline Maximum Of 50% 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 36.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 670 is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points Qualifying FICO Of 670 is Greater Than The Guideline Minimum Of 620 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 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  | 852425_xxxxxx_852425_FINAL_ldl-report_11212025132436_132436.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852425 | xxxxxx | D A | Closed | xxxxxx | 2025-12-02 08:07 | 2025-12-08 14:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Seller response: these were not considered for qualifying nor are they needed. Revised 1003 with assets removed uploaded now. xxxxxx! - Due Diligence Vendor-12/08/2025 <br> Open-Asset 2 Missing Missing evidence of xxxxxx account for B2. - Due Diligence Vendor-12/03/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-12/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 59.99% 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 44.4% Is Less Than The Guideline Maximum Of 50% 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 36.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 670 is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points Qualifying FICO Of 670 is Greater Than The Guideline Minimum Of 620 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 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  | 852425_xxxxxx_Final_1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852425 | xxxxxx | D A | Closed | xxxxxx | 2025-12-02 08:07 | 2025-12-08 14:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Seller response: these were not considered for qualifying nor are they needed. Revised 1003 with assets removed uploaded now. xxxxxx! - Due Diligence Vendor-12/08/2025 <br> Open-Asset 3 Missing Missing evidence of xxxxxx account for B2. - Due Diligence Vendor-12/03/2025 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-12/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 59.99% 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 44.4% Is Less Than The Guideline Maximum Of 50% 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 36.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 670 is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points Qualifying FICO Of 670 is Greater Than The Guideline Minimum Of 620 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 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852425 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 09:23 | 2025-12-08 14:18 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Seller response: these were not considered for qualifying nor are they needed. Revised 1003 with assets removed uploaded now. xxxxxx! - Due Diligence Vendor-12/08/2025 <br>Open-Asset 2 Does Not Meet Guideline Requirements - Due Diligence Vendor-12/03/2025 |  | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 59.99% 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 44.4% Is Less Than The Guideline Maximum Of 50% 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 36.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 670 is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points Qualifying FICO Of 670 is Greater Than The Guideline Minimum Of 620 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 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 | Missing evidence of xxxxxx account for B2. | 852425_xxxxxx_Final_1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852425 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 09:23 | 2025-12-08 14:18 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset 3 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Seller response: these were not considered for qualifying nor are they needed. Revised 1003 with assets removed uploaded now. xxxxxx! - Due Diligence Vendor-12/08/2025 <br> Open-Asset 3 Does Not Meet Guideline Requirements Missing evidence of xxxxxx account for B2. - Due Diligence Vendor-12/03/2025 |  | Resolved-Asset 3 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.99% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 59.99% 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 44.4% Is Less Than The Guideline Maximum Of 50% 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 36.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 670 is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points Qualifying FICO Of 670 is Greater Than The Guideline Minimum Of 620 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 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  | 852425_xxxxxx_Final_1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852427 | xxxxxx | D A | Closed | xxxxxx | 2025-12-12 01:18 | 2025-12-19 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. See attached updated 1003 and 1008. Is the loan going to be short funds to close now? - Due Diligence Vendor-12/18/2025 <br> Open-Asset 2 Missing Missing statement for xxxxxx showing at minimum $4,382.07 that was used for qualifying. <br> - Due Diligence Vendor-12/14/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 741 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 34.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 25.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 10 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review852427_xxxxxx_12_17_2025_40643_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852435 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852445 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852451 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852485 | xxxxxx | D A | Closed | xxxxxx | 2025-12-04 17:50 | 2025-12-08 14:30 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-2nd Full Appraisal was provided. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached 1st and 2nd Appraisal Reports. - Due Diligence Vendor-12/08/2025 <br>Open- - Due Diligence Vendor-12/04/2025 |  | Resolved-2nd Full Appraisal was provided. - Due Diligence Vendor-12/08/2025<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 - 15.18 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.18 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 36.69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.61% Is Less Than The Guideline Maximum Of 50% 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 |  | Full Review852485_xxxxxx_12_4_2025_34246_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852497 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852510 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852517 | xxxxxx | D A | Closed | xxxxxx | 2025-12-09 07:40 | 2025-12-22 06:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Attached is the income worksheet - Due Diligence Vendor-12/11/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/09/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/12/2025<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 - 5.40 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.61 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | 852517_xxxxxx_Income_WS_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852517 | xxxxxx | D A | Closed | xxxxxx | 2025-12-09 07:40 | 2025-12-22 06:39 | 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-12/16/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/15/2025 <br>Counter-Document Uploaded. Unable to open attachment, please re-upload - Due Diligence Vendor-12/13/2025 <br>Ready for Review-Document Uploaded. Re-uploaded - Due Diligence Vendor-12/12/2025 <br>Counter-Unable to open attachment, please re-upload - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Proof of Business Active - Due Diligence Vendor-12/11/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/09/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/16/2025<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 - 5.40 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.61 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | 852517_xxxxxx_SOS_Current_and_Active_Dec_11.pdf<br> Full Review852517_xxxxxx_12_12_2025_15506_PM.zip<br> Screenshot 2025-12-13 093432.jpg<br> xxxxxx SOS Current and Active Dec 11 (2).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852517 | xxxxxx | D A | Closed | xxxxxx | 2025-12-09 07:40 | 2025-12-22 06:39 | 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-12/22/2025 <br>Ready for Review-Document Uploaded. Please see bank statements - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/17/2025 <br>Open-Income 1 Months Income Verified is Missing Missing 12 months bank statements for income verification and worksheet. - Due Diligence Vendor-12/09/2025 |  | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-12/22/2025<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 - 5.40 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.61 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | xxxxxx Income WS (1) (1).pdf<br> Full Review852517_xxxxxx_12_17_2025_104348_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852518 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852558 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852562 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 852589 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-26 15:47 | 2026-01-01 16:21 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026 <br> Resolved- - Due Diligence Vendor-01/01/2026 <br> Ready for Review-Document Uploaded. See attached, xxxxxx! - Due Diligence Vendor-12/31/2025 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. \*\*\*File is missing the revised LE issued within 3 business days of the initial rate lock date. - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 |  | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026<br>| Residual Income Greater Than Minimum Guideline Requirement - Residual income more than 1.5x the amount required by guidelines<br>Low qualifying LTV - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br>Audited reserves exceed guideline minimum - Reserves exceed requirement by 10 months 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 - 24 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 852589_xxxxxx_Locked_LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852589 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-30 09:20 | 2026-01-01 16:21 | 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-01/01/2026 <br>Resolved- - Due Diligence Vendor-01/01/2026 <br>Ready for Review-Document Uploaded. See attached, xxxxxx! - Due Diligence Vendor-12/31/2025 <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 missing Initial Closing Disclosure and evidence that disclosure was provided to borrowers at least 3 business days prior to closing. Document is needed to complete compliance testing. - Due Diligence Vendor-12/30/2025 <br>Open- - Due Diligence Vendor-12/30/2025 <br>Open- - Due Diligence Vendor-12/30/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-01/01/2026<br>| Residual Income Greater Than Minimum Guideline Requirement - Residual income more than 1.5x the amount required by guidelines<br>Low qualifying LTV - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br>Audited reserves exceed guideline minimum - Reserves exceed requirement by 10 months 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 - 24 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 852589_xxxxxx_Initial_CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852589 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-26 15:44 | 2026-01-01 16:19 | 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-01/01/2026 <br>Ready for Review-Document Uploaded. See attached, xxxxxx! - Due Diligence Vendor-12/31/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-12/26/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/01/2026<br>| Residual Income Greater Than Minimum Guideline Requirement - Residual income more than 1.5x the amount required by guidelines<br>Low qualifying LTV - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br>Audited reserves exceed guideline minimum - Reserves exceed requirement by 10 months 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 - 24 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 852589_xxxxxx_Homeownership_Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852589 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-26 10:03 | 2025-12-31 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. Please see the Bank Statement worksheet uploaded. xxxxxx! - Due Diligence Vendor-12/31/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/26/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/31/2025<br>| Residual Income Greater Than Minimum Guideline Requirement - Residual income more than 1.5x the amount required by guidelines<br>Low qualifying LTV - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br>Audited reserves exceed guideline minimum - Reserves exceed requirement by 10 months 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 - 24 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.82 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 852589_xxxxxx_852589_Income_Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852592 | xxxxxx | B A | Closed | xxxxxx | 2025-11-28 12:31 | 2025-12-02 16:13 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Please see attached UW Approval / Summary. - Due Diligence Vendor-12/02/2025 <br>Open-1008/Underwriting Summary Not Provided Missing the 1008/Underwriting Summary, please provide - Due Diligence Vendor-11/28/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/02/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Original LTV Of 60% 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 743 is Greater Than The Guideline Minimum Qualifying FICO Of 743 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 64.39 Are Greater Than The Guideline Minimu Months Reserves Of 64.39 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review852592_xxxxxx_12_1_2025_45602_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852593 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 852609 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 16:55 | 2025-12-08 14:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached SSR. - Due Diligence Vendor-12/08/2025 <br>Open-Please verify Collateral Underwriter Score Provided is actually Missing. Collateral Underwriter Score Provided is actually Missing. - Due Diligence Vendor-12/03/2025 |  | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-12/08/2025<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 0.04<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.11 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.34% 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 778 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review852609_xxxxxx_12_5_2025_14730_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852609 | xxxxxx | D A | Closed | xxxxxx | 2025-12-04 15:10 | 2025-12-08 14:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached Summary. - Due Diligence Vendor-12/08/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing lender worksheet for B1 income - Due Diligence Vendor-12/04/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/08/2025<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 0.04<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.11 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.34% 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 778 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 852609_xxxxxx_1008_-_Transmittal_Summary-xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852610 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 14:22 | 2025-12-12 10:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Final CD's (escrowed) provided for xxxxxx - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. The CDs list the escrows we've included a copy of all their concurrent property notes as well. <br> - Due Diligence Vendor-12/10/2025 <br> Counter-Document Uploaded. Unable to open PDFs for xxxxxx - Due Diligence Vendor-12/10/2025 <br> Ready for Review-These are newly purchased properties and there would not be any mtg stmts yet. Proof of pitia have been provided. - Due Diligence Vendor-12/09/2025 <br> Counter-Provide First payment letter (if not escrowed, provide Taxes & HOI) for the New Loans for Properties located at xxxxxx - Due Diligence Vendor-12/08/2025 <br> Ready for Review-xxxxxx just closed therefore there would not be a mortgage statement yet. - Due Diligence Vendor-12/08/2025 <br> Counter-The Condition Comment states: Missing Mortgage Statement for xxxxxx - Per Final 1003 the lien holder is xxxxxx Mortgage. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. The condition is for missing t&i for the properties. Mtg stmt provided for xxxxxx, and proof of taxes and insurance was provided for xxxxxx. xxxxxx searches provided to validate no HOA. - Due Diligence Vendor-12/04/2025 <br> Counter-Missing Mortgage Statement for xxxxxx - Per Final 1003 the lien holder is xxxxxx Mortgage - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. See attached HOI and taxes for xxxxxx and attached mtg stmt for xxxxxx. - Due Diligence Vendor-12/03/2025 <br> Open-Mortgage statement's missing for property's : xxxxxx - Due Diligence Vendor-11/26/2025 |  | Resolved-Final CD's (escrowed) provided for xxxxxx - Due Diligence Vendor-12/12/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.48% 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 - 45.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 162.44 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.62 Years |  | Full Review852610_xxxxxx_LE_12_3_2025_94139_AM.zip<br> Full Review852610_xxxxxx_LE_12_3_2025_42149_PM.zip<br> Screenshot 2025-12-10 134829.jpg<br> Full Review852610_xxxxxx_LE_12_10_2025_22347_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852610 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 12:38 | 2025-12-03 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. See attached income calc ws - Due Diligence Vendor-12/03/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-11/26/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.48% 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 - 45.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 162.44 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.62 Years |  | 852610_LE_Le2_Underwriting_Workbook_11.18.2025.xlsx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852619 | xxxxxx | D A | Closed | xxxxxx | 2025-11-28 08:26 | 2025-12-17 17:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-FCDs for both new properties provided and total payment matches what was used in qualifying the loan (whole payments used to qualify the negative rents). - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/17/2025 <br> Open-Missing FCD for xxxxxx and xxxxxx., 2 recent investment property purchases mentioned on page 1128 (OCR) - Due Diligence Vendor-11/28/2025 |  | Resolved-FCDs for both new properties provided and total payment matches what was used in qualifying the loan (whole payments used to qualify the negative rents). - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 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 29.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 140.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.58 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 - 45.67 Years |  | Final Closing Disclosure - xxxxxx.pdf<br> Final Closing Disclosure-xxxxxx (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852619 | xxxxxx | D A | Closed | xxxxxx | 2025-12-02 11:03 | 2025-12-10 13:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Final CD's for xxxxxx reuploaded. - Due Diligence Vendor-12/09/2025 <br> Counter-the condition is requesting Final CD or closing statement for cash out refi of primary residence xxxxxx - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. See final CD's - Due Diligence Vendor-12/08/2025 <br> Open-Asset 3 Missing Missing Final CD or closing statement for cash out refi of primary residence xxxxxx to show cash out proceeds and mortgage payment. (Page 1128 OCR) - Due Diligence Vendor-12/02/2025 | 5 total recent loans with lender. 2 cash out, 3 rental purchases - 12/02/2025 <br>| Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 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 29.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 140.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.58 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 - 45.67 Years |  | 852619_LE_Final_Closing_Disclosure_-_xxxxxx.pdf<br> 852619_LE_Final_Closing_Disclosure-xxxxxx.pdf<br> Full Review852619_xxxxxx_LE_12_8_2025_51435_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852629 | xxxxxx | D A | Closed | xxxxxx | 2025-10-21 17:58 | 2025-12-19 18:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Cured-The uploaded HOI policy has been reviewed. Rental income calculator has been updated. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Counter-Missing Unexpired HOI policy for xxxxxx. Mortgage statement reflects "Not Escrowed" - the HOI Policy provided is for xxxxxx. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/17/2025 <br> Counter-Missing unexpired HOI Policy for xxxxxx. Mortgage statement reflects "Not Escrowed" property report in file, still missing HOI policy - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Counter-Document Uploaded. Property report is in the name of the Bwr's Trust and the property is also listed on the final 1003 as a rent loss - The condition is asking for HOI policy/amount for rental property xxxxxx. (P&I and property taxes are verified) - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Please provide more detail on what you are looking for our UW team is unclear - Seller-12/15/2025 <br> Counter-Document Uploaded. Per Final 1003 & the Property Report in the Loan file states both borrower's own this property - Due Diligence Vendor-11/20/2025 <br> Ready for Review-This Borrower xxxxxx does not own: xxxxxx. (P&I and property taxes are verified) <br>- Seller-11/19/2025 <br> Open-Missing HOI amount for rental property xxxxxx. (P&I and property taxes are verified) - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Ready for Review-Please provide more detail on what you are looking for our UW team is unclear - Seller-12/15/2025 <br> Ready for Review-This Borrower xxxxxx does not own: xxxxxx. (P&I and property taxes are verified) <br>- Seller-11/19/2025 | Cured-The uploaded HOI policy has been reviewed. Rental income calculator has been updated. - Due Diligence Vendor-12/19/2025<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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.11% 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 - 12.37 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.38 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.59% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Screenshot 2025-11-20 135613.jpg<br> Screenshot 2025-11-20 135613.jpg<br> Screenshot 2025-12-16 095415.jpg<br> REO-Ins. Dec pg 621 xxxxxx Exp xxxxxx.pdf<br> HAZARD INSURANCE xxxxxx.pdf<br> xxxxxx Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852636 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-10 10:29 | 2025-12-05 12:43 | Waived | 2 - Non-Material C B | Credit | Borrower | Borrower Identification Documentation Missing | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: Guidelines require proof of identification issued by xxxxxx government. State of xxxxxx does not allow ITIN only as documentation to get driver license. Exception approval request for having no driver license. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Counter-Provide a "dated" Signed approved Exception form. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-Guidelines require proof of identification issued by xxxxxx government. State of xxxxxx does not allow ITIN only as documentation to get driver license. Exception approval request for having no driver license. NO exception form in the file. THe underwriting worksheet lists the exceptions however no compensating factors were listed. <br> - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: Guidelines require proof of identification issued by xxxxxx government. xxxxxx does not allow ITIN only as documentation to get driver license. Exception approval request for having no driver license. - Due Diligence Vendor-12/05/2025 | 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 0.04<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 266.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.73 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 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 5.69% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | DTI ratio of 5.185%.<br> Housing ratio of 4.681%.<br> Reserves exceed minimum required by at least 266.24 months.<br> Current LTV is 10% less than max allowed.<br> All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by at least 157 points.<br> Residual income of $30,314.58. | EXCEPTION FORM.pdf<br> EXCEPTION FORM 2025100041.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852636 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-10 10:26 | 2025-12-05 12:43 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: Guideline requires ITIN borrower with unexpired ITIN letter or ITIN renewal. Exception approval request to use fully executed form w7 in lieu of unexpired ITIN letter. Note: borrower provided expired ITIN letter but pending 2nd page. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Counter-Provide a "dated" Signed approved Exception form. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Counter-Missing Exception approval request to use fully executed form w7 in lieu of unexpired ITIN letter. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Counter-Per Guidelines: Borrower Identification - Required documentation of the borrower's identity at time of loan submission with final verification of identification to be completed prior to loan funding.<br> The following are required on all loans: 1. Unexpired government photo ID (i.e. driver's license) (Provided) - 2. Unexpired Passport from country of origin (Provided) - 3. Supplemental documentation: ITIN card or letter from IRS - (Letter from IRS not provided) Exception approval request to use fully executed form w7 in lieu of unexpired ITIN letter. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Open-Guideline requires ITIN borrower with unexpired ITIN letter or ITIN renewal. Exception approval request to use fully executed form w7 in lieu of unexpired ITIN letter. No Exception request form in the file. The underwriting worksheet list the exceptions however no compensating factors were listed. <br> - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: Guideline requires ITIN borrower with unexpired ITIN letter or ITIN renewal. Exception approval request to use fully executed form w7 in lieu of unexpired ITIN letter. Note: borrower provided expired ITIN letter but pending 2nd page. - Due Diligence Vendor-12/05/2025 | 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 0.04<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 266.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.73 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 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 5.69% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | DTI ratio of 5.185%.<br> Housing ratio of 4.681%.<br> Reserves exceed minimum required by at least 266.24 months.<br> Current LTV is 10% less than max allowed.<br> All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by at least 157 points.<br> Residual income of $30,314.58. | IDENTIFICATION MISC 1.pdf<br> PASSPORT (REQUIRED FOR ALL FOREIGN NATIONALS).pdf<br> IDENTIFICATION MISC.pdf<br> IDENTIFICATION MISC 2.pdf<br> IDENTIFICATION MISC.pdf<br> PASSPORT (REQUIRED FOR ALL FOREIGN NATIONALS).pdf<br> EXCEPTION FORM.pdf<br> EXCEPTION FORM 2025100041.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852645 | xxxxxx | D A | Closed | xxxxxx | 2025-10-09 10:10 | 2025-10-15 08:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD/SS provided - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. - Seller-10/14/2025 <br>Open-The Final HUD is missing from the loan file. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025<br>| Resolved-Final HUD/SS provided - Due Diligence Vendor-10/15/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.4 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | ClosingStatementBuyer_10-13-2025_12-54.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852645 | xxxxxx | D A | Closed | xxxxxx | 2025-10-03 16:02 | 2025-10-09 13:15 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. - Seller-10/08/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/09/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.4 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | FINAL - 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852645 | xxxxxx | D A | Closed | xxxxxx | 2025-10-03 15:34 | 2025-10-09 13:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. - Seller-10/08/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/09/2025<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.4 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | DRIVE REPORT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852646 | xxxxxx | B A | Closed | xxxxxx | 2025-10-15 04:45 | 2025-10-15 04:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client granted exception with compensating factors. Exception approval to waive the requirement for W8 xxxxxx - Due Diligence Vendor-10/15/2025 |  | Waived-Client granted exception with compensating factors. Exception approval to waive the requirement for W8 xxxxxx - Due Diligence Vendor-10/15/2025 | Investment Property DSCR Exceeds 1.15 - - Qualifying DSCR is 1.17<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.39 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | DSCR is 1.24 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852650 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852655 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 852658 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-29 13:24 | 2025-10-31 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Incorporation Documents provided. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. - Seller-10/29/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Incorporation Documents provided. - Due Diligence Vendor-10/31/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.67% 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 - 5.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | LLC VESTING ï¿½ ARTICLES OF INCORPORATION.pdf<br>LLC OPERATING AGREEMENT & DOCUMENTS - VESTING 1.pdf<br>LLC OPERATING AGREEMENT & DOCUMENTS - VESTING.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852658 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-29 06:32 | 2025-10-29 06:32 | Waived | 2 - Non-Material B | Credit | Eligibility | Transferred Appraisal does not meet guideline requirements | Waived-Client granted exception with compensating factors. APPRAISAL TRANSFER REPORT IS MORE THAN 45 DAYS UPON LOAN SUBMISSION (78 DAYS) - Due Diligence Vendor-10/29/2025 |  | Waived-Client granted exception with compensating factors. APPRAISAL TRANSFER REPORT IS MORE THAN 45 DAYS UPON LOAN SUBMISSION (78 DAYS) - Due Diligence Vendor-10/29/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.67% 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 - 5.58 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | The current LTV stands at 26.674%, well below the maximum allowed. All consumer credit accounts have been<br> paid as agreed over the past 12 months, with no history of delinquency. The debt service coverage ratio is 1.12. Rental income used in the<br> analysis is 11% below fair market value, indicating potential room for adjustment to improve the DSCR. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852658 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-29 06:31 | 2025-10-29 06:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Property | Waived-Client granted exception with compensating factors. SUBJECT PROPERTY IS A xxxxxx WHICH IS INELIGIBLE - Due Diligence Vendor-10/29/2025 |  | Waived-Client granted exception with compensating factors. SUBJECT PROPERTY IS A xxxxxx WHICH IS INELIGIBLE - Due Diligence Vendor-10/29/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.67% 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 - 5.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | The current LTV stands at 26.674%, well below the maximum allowed. All consumer credit accounts have been<br> paid as agreed over the past 12 months, with no history of delinquency. The debt service coverage ratio is 1.12. Rental income used in the<br> analysis is 11% below fair market value, indicating potential room for adjustment to improve the DSCR. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852658 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-29 06:10 | 2025-10-29 06:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client granted exception with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program SUBJECT PROPERTY IS ZONED xxxxxx WHICH IS INELIGIBLE - Due Diligence Vendor-10/29/2025 |  | Waived-Client granted exception with compensating factors. Primary Value Valuation Neighborhood Location Not Allowed for Program SUBJECT PROPERTY IS ZONED xxxxxx WHICH IS INELIGIBLE - Due Diligence Vendor-10/29/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.67% 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 - 5.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | The current LTV stands at 26.674%, well below the maximum allowed. All consumer credit accounts have been<br> paid as agreed over the past 12 months, with no history of delinquency. The debt service coverage ratio is 1.12. Rental income used in the<br> analysis is 11% below fair market value, indicating potential room for adjustment to improve the DSCR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852659 | xxxxxx | B A | Closed | xxxxxx | 2025-10-24 06:45 | 2025-10-24 06:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client granted exception with compensating factors. As per guideline, escrow waivers are not allowed. Exception approval to waive escrow - Due Diligence Vendor-10/24/2025 |  | Waived-Client granted exception with compensating factors. As per guideline, escrow waivers are not allowed. Exception approval to waive escrow - Due Diligence Vendor-10/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Low qualifying LTV - - Qualifying LTV is 63.24% | • Current LTV is less 5% than max allowed.<br> • All consumer credit paid as agreed in the most recent 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852659 | xxxxxx | B A | Closed | xxxxxx | 2025-10-24 06:44 | 2025-10-24 06:44 | Waived | 2 - Non-Material B | Credit | Missing Doc - Credit | Gap Credit Report is Incomplete | Waived-Client granted exception with compensating factors. Exception approval to use credit supplement pulled by broker for mortgage verification on subject property and xxxxxx. Liens show no late/delinquent payments. - Due Diligence Vendor-10/24/2025 |  | Waived-Client granted exception with compensating factors. Exception approval to use credit supplement pulled by broker for mortgage verification on subject property and xxxxxx. Liens show no late/delinquent payments. - Due Diligence Vendor-10/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Low qualifying LTV - - Qualifying LTV is 63.24% | • Current LTV is less 5% than max allowed.<br> • All consumer credit paid as agreed in the most recent 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852659 | xxxxxx | B A | Closed | xxxxxx | 2025-10-24 06:42 | 2025-10-24 06:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client granted exception with compensating factors. Audited FICO of 663 is less than Guideline FICO of 680 Exception approval for 663 fico score which did not meet minimum requirement of 680 for I/O transactions - Due Diligence Vendor-10/24/2025 |  | Waived-Client granted exception with compensating factors. Audited FICO of 663 is less than Guideline FICO of 680 Exception approval for 663 fico score which did not meet minimum requirement of 680 for I/O transactions - Due Diligence Vendor-10/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Low qualifying LTV - - Qualifying LTV is 63.24% | • Current LTV is less 5% than max allowed.<br> • All consumer credit paid as agreed in the most recent 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852660 | xxxxxx | B A | Closed | xxxxxx | 2025-10-24 05:28 | 2025-10-24 05:28 | Waived | 2 - Non-Material B | Credit | Assets | Asset General | Waived-Client granted exception with compensating factors. Exception required to use account statement/ledger in lieu of bank statement/cancelled checks. Statement showing no late payments in the last 12 months. - Due Diligence Vendor-10/24/2025 |  | Waived-Client granted exception with compensating factors. Exception required to use account statement/ledger in lieu of bank statement/cancelled checks. Statement showing no late payments in the last 12 months. - Due Diligence Vendor-10/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1. Fico score is 720<br> 2. Post closing reserves of 47.42, program requires 4 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 852660 | xxxxxx | B A | Closed | xxxxxx | 2025-10-24 05:26 | 2025-10-24 05:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client granted exception with compensating factors. Audited CLTV of 70% exceeds Guideline CLTV of 60% Exceptions for 70% LTV exceeds the max allowed of 60% for no primary residence. - Due Diligence Vendor-10/24/2025 |  | Waived-Client granted exception with compensating factors. Audited CLTV of 70% exceeds Guideline CLTV of 60% Exceptions for 70% LTV exceeds the max allowed of 60% for no primary residence. - Due Diligence Vendor-10/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1. Fico score is 720<br> 2. Post closing reserves of 47.42, program requires 4 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 852660 | xxxxxx | B A | Closed | xxxxxx | 2025-10-24 05:26 | 2025-10-24 05:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client granted exception with compensating factors. Audited LTV of 70% exceeds Guideline LTV of 60% Exceptions for 70% LTV exceeds the max allowed of 60% for no primary residence. - Due Diligence Vendor-10/24/2025 |  | Waived-Client granted exception with compensating factors. Audited LTV of 70% exceeds Guideline LTV of 60% Exceptions for 70% LTV exceeds the max allowed of 60% for no primary residence. - Due Diligence Vendor-10/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1. Fico score is 720<br> 2. Post closing reserves of 47.42, program requires 4 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 852660 | xxxxxx | B A | Closed | xxxxxx | 2025-10-24 05:26 | 2025-10-24 05:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client granted exception with compensating factors. Audited HCLTV of 70% exceeds Guideline HCLTV of 60% Exceptions for 70% LTV exceeds the max allowed of 60% for no primary residence. - Due Diligence Vendor-10/24/2025 |  | Waived-Client granted exception with compensating factors. Audited HCLTV of 70% exceeds Guideline HCLTV of 60% Exceptions for 70% LTV exceeds the max allowed of 60% for no primary residence. - Due Diligence Vendor-10/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | 1. Fico score is 720<br> 2. Post closing reserves of 47.42, program requires 4 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 852665 | xxxxxx | D A | Closed | xxxxxx | 2025-11-28 14:31 | 2025-12-08 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Final CD's (all escrowed) provided for the xxxxxx REO properties. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-12/08/2025 <br> Open-. Provide loan approval terms for the simultaneous additional closings to evidence the new PITIA terms and closing costs for the following properties; xxxxxx – New Investment Purchase, xxxxxx – New Investment Purchase, xxxxxx – Current residence – Refinance and, xxxxxx – Investment Refinance. - Due Diligence Vendor-12/02/2025 |  | Resolved-Final CD's (all escrowed) provided for the xxxxxx REO properties. - Due Diligence Vendor-12/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.67 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Borrower 1 Has Stable Job Time 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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review852665_xxxxxx_LE_12_5_2025_40942_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852665 | xxxxxx | D A | Closed | xxxxxx | 2025-11-28 14:32 | 2025-12-08 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. See attached bank stmt worksheet - Due Diligence Vendor-12/08/2025 <br>Counter-Loan was qualified using 12 month bank statements - Missing Lenders Income worksheet reflecting all deposits & excluded deposits used to calculate income - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. See attached workbook under income. - Due Diligence Vendor-12/04/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary . Provide Bank Statement Income worksheet for review. - Due Diligence Vendor-11/28/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.67 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Borrower 1 Has Stable Job Time 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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review852665_xxxxxx_LE_12_3_2025_42934_PM.zip<br> Full Review852665_xxxxxx_LE_12_5_2025_20448_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852668 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 11:06 | 2025-12-15 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. These funds were from the cash out of the xxxxxx property. Please see final CD on page 27. - Due Diligence Vendor-12/11/2025 <br> Open-Asset 3 Missing Provide Proof of Secured Borrower Funds $332,203 for used cash to close and Reserves. - Due Diligence Vendor-12/08/2025 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-12/12/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 140.56 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.71% 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 - 7.63 Years |  | 852668_LE_Notes_and_FCDs_From_Concurrent_Loans_(2).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852668 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 12:01 | 2025-12-13 09:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Final CD (escrowed) provided for newly closed loan located at xxxxxx with xxxxxx - Due Diligence Vendor-12/13/2025 <br> Ready for Review-Document Uploaded. This is a new loan. Please see attached final CD. - Due Diligence Vendor-12/12/2025 <br> Counter-Document Uploaded. Missing Mortgage statement/Payment History for REO property located at xxxxxx with xxxxxx - this lien is not listed on the CBR or the CBR supplement provided in the loan file. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. see attached Notes. - Due Diligence Vendor-12/10/2025 <br> Open-Provide Mortgage Statements for the below updated Properties. However all the mortgage accts Provided Our lender only.<br> 1. xxxxxx. <br> 2. xxxxxx. <br> 3. xxxxxx. <br> 4. xxxxxx. <br> - Due Diligence Vendor-12/08/2025 |  | Resolved-Final CD (escrowed) provided for newly closed loan located at xxxxxx with xxxxxx - Due Diligence Vendor-12/13/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 140.56 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.71% 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 - 7.63 Years |  | Full Review852668_xxxxxx_LE_12_10_2025_22851_PM.zip<br> Screenshot 2025-12-12 102345.jpg<br> Full Review852668_xxxxxx_LE_12_12_2025_21736_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852668 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 11:42 | 2025-12-12 10:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. See attached bank stmt worksheet - Due Diligence Vendor-12/10/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Provide Lender Income Calc work Sheet for the Verify the Non-Business Deposits. - Due Diligence Vendor-12/08/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/12/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 140.56 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.71% 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 - 7.63 Years |  | Full Review852668_xxxxxx_LE_12_10_2025_21814_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852670 | xxxxxx | C A | Closed | xxxxxx | 2025-12-08 15:23 | 2025-12-18 10:09 | 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-12/18/2025 <br> Ready for Review-Document Uploaded. See PCCD for disbursement after xxxxxx - Due Diligence Vendor-12/18/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.8 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 - 6.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.12% 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 722 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 0.0<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.38 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 - 11.37 Years |  | Full Review852670_xxxxxx_12_17_2025_111521_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852681 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852694 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-16 02:15 | 2025-12-19 12:21 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. Please see attached Underwriting Summary / Approval. - Due Diligence Vendor-12/18/2025 <br>Open-1008/Underwriting Summary Not Provided Final 1008 not uploaded with file package - please upload 1008 - Due Diligence Vendor-12/16/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/19/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 493.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.03% 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 691 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review852694_xxxxxx_12_17_2025_24033_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852694 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-17 15:49 | 2025-12-17 18:45 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-xxxxxx CU score 2.1 provided - Due Diligence Vendor-01/12/2026 <br>Open-The AVM Confidence Score is under 90%. - Due Diligence Vendor-12/17/2025 |  | Resolved-xxxxxx CU score 2.1 provided - Due Diligence Vendor-01/12/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 493.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.03% 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 691 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852696 | xxxxxx | C A | Closed | xxxxxx | 2025-11-16 23:34 | 2025-12-08 14:44 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. See attached updated HOI - Due Diligence Vendor-12/08/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx. - Due Diligence Vendor-11/17/2025 |  | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/08/2025 | 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 0.04<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 818 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review852696_xxxxxx_12_4_2025_55524_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852749 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852757 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852768 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852770 | xxxxxx | D A | Closed | xxxxxx | 2025-11-24 19:03 | 2025-12-03 14:31 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-12/03/2025 <br>Open- - Due Diligence Vendor-11/25/2025 |  | Resolved-desk review provided. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 671 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 852770_xxxxxx_cda_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852789 | xxxxxx | D A | Closed | xxxxxx | 2025-11-21 18:14 | 2025-12-02 16:27 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. See attached approval - Due Diligence Vendor-12/02/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/21/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 852789_xxxxxx_852789_Final_Notice_of_Loan_Approval_11-13-25.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852789 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 06:28 | 2025-12-02 16:20 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/02/2025 <br> Ready for Review-xxxxxx Comprehensive Fraud reports for all parties were uploaded in submission. They are uploaded again - Due Diligence Vendor-12/02/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Comprehensive report in file; missing interested party check - Due Diligence Vendor-11/26/2025 |  | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852789 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 06:28 | 2025-12-02 16:20 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/02/2025 <br> Ready for Review-xxxxxx Comprehensive Fraud reports for all parties were uploaded in submission. They are uploaded again - Due Diligence Vendor-12/02/2025 <br> Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-11/26/2025 |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852789 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 06:28 | 2025-12-02 16:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-xxxxxx Comprehensive Fraud reports for all parties were uploaded in submission. They are uploaded again - Due Diligence Vendor-12/02/2025 <br> Open-Third Party Fraud Report Partially Provided Comprehensive report in file, missing exclusionary list watch list on parties to loan - Due Diligence Vendor-11/26/2025 |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review852789_xxxxxx_12_1_2025_53218_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852789 | xxxxxx | D A | Closed | xxxxxx | 2025-11-21 16:10 | 2025-12-02 16:18 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Final 1003 signed by the borrower was included in the loan package. It has been uploaded again - Due Diligence Vendor-12/02/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-11/21/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 852789_xxxxxx_Final_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852805 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 852827 | xxxxxx | D A | Closed | xxxxxx | 2025-12-23 05:43 | 2025-12-30 13:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. income worksheet - Due Diligence Vendor-12/30/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Income analysis should be provided for bank statement - Due Diligence Vendor-12/23/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/30/2025<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 - 15 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 852827_xxxxxx_wksht.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852891 | xxxxxx | D A | Closed | xxxxxx | 2025-12-16 13:05 | 2025-12-19 12:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. Please find the Income Worksheet(s) attached. xxxxxx! - Due Diligence Vendor-12/18/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/16/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/19/2025<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 - 7.93 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 110.39 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.83% 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 782 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review852891_xxxxxx_12_17_2025_14605_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852898 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-12 10:57 | 2026-01-12 11:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client granted exception with compensating factors. Client exception granted with compensating factors to allow ineligible xxxxxx project. Pending litigation is a claim for $50-$75,000, project has documented sufficient insurance to cover this potential liability. Engineer report's suggested xxxxxx are documented to be tied to ongoing construction project. xxxxxx does not appear to be insufficient even if less than other coverages. - Due Diligence Vendor-01/12/2026 <br> Open-Condo project does not meet guidelines. Subject xxxxxx project is ineligible for the following reasons:<br> - Subject project is undergoing various xxxxxx<br> - Subject project is underinsured for xxxxxx. Coverage of xxxxxx is xxxxxx named in policy totaling xxxxxx<br> - Subject project is currently under pending litigation - Due Diligence Vendor-01/12/2026 |  | Waived-Client granted exception with compensating factors. Client exception granted with compensating factors to allow ineligible xxxxxx project. Pending litigation is a claim for $50-$75,000, project has documented sufficient insurance to cover this potential liability. Engineer report's suggested xxxxxx are documented to be tied to ongoing construction project. xxxxxx does not appear to be insufficient even if less than other coverages. - Due Diligence Vendor-01/12/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.18% 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 82.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 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 - 16.11 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 - 16.12 Years | 1) Credit Score 30+ points > minimum required<br> 2) LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> 3) Reserves exceed requirement by 10 months or more |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 852908 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852916 | xxxxxx | C A | Closed | xxxxxx | 2025-12-10 16:19 | 2025-12-15 09:29 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event details provided - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Please see attached COC. xxxxxx! - Due Diligence Vendor-12/12/2025 <br>Open-<br> The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $937.35. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $937.35 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 <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 $937.35.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-12/10/2025 <br>Open- - Due Diligence Vendor-12/10/2025 <br>Open- - Due Diligence Vendor-12/10/2025 <br>Open- - Due Diligence Vendor-12/10/2025 |  | Resolved-COC event details provided - Due Diligence Vendor-12/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.12% 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 30.5 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 - 22.50 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 - 22.61 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.28% 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 - 11.08 Years |  | Full Review852916_xxxxxx_12_12_2025_115259_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852916 | xxxxxx | C A | Closed | xxxxxx | 2025-12-10 16:19 | 2025-12-15 09:29 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event details provided - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Please see attached COC. xxxxxx! - Due Diligence Vendor-12/12/2025 <br>Open-<br> The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $937.35. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $937.35 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/10/2025 <br>Open- - Due Diligence Vendor-12/10/2025 <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. - Due Diligence Vendor-12/10/2025 <br>Open- - Due Diligence Vendor-12/10/2025 |  | Resolved-COC event details provided - Due Diligence Vendor-12/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.12% 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 30.5 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 - 22.50 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 - 22.61 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.28% 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 - 11.08 Years |  | Full Review852916_xxxxxx_12_12_2025_115226_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852916 | xxxxxx | C A | Closed | xxxxxx | 2025-12-10 16:19 | 2025-12-15 09:29 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Please see attached COC. xxxxxx! - Due Diligence Vendor-12/12/2025 <br>Open-<br> The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $937.35. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $937.35 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/10/2025 <br>Open- - Due Diligence Vendor-12/10/2025 <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. - Due Diligence Vendor-12/10/2025 <br>Open- - Due Diligence Vendor-12/10/2025 |  | Resolved- - Due Diligence Vendor-12/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.12% 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 30.5 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 - 22.50 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 - 22.61 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.28% 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 - 11.08 Years | COC event details provided | Full Review852916_xxxxxx_12_12_2025_115226_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852942 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852946 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852962 | xxxxxx | D A | Closed | xxxxxx | 2025-12-15 05:58 | 2025-12-22 11:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Personal Guaranty is Unexecuted | Resolved-Personal Guaranty is Present and executed. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. See attached Guaranty - Due Diligence Vendor-12/22/2025 <br>Open-Personal Guaranty is not executed. - Due Diligence Vendor-12/15/2025 |  | Resolved-Personal Guaranty is Present and executed. - Due Diligence Vendor-12/22/2025<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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review852962_xxxxxx_12_18_2025_113456_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853014 | xxxxxx | C A | Closed | xxxxxx | 2025-11-06 08:14 | 2025-11-21 14:07 | 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-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Counter- Per HOI Policy Dwelling is $368,700 + additional Extended Dwelling 25% of $92,175.00 = xxxxxx which is not enough to cover the Loan amount of xxxxxx - Missing RCE or increase Dwelling coverage - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. there is extended replace 25% - see page 3 - Seller-11/10/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of xxxxxx - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 <br>Ready for Review-Document Uploaded. there is extended replace 25% - see page 3 - Seller-11/10/2025<br>| Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-11/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.16 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.83 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | EXISTING HAZARD INSURANCE (40).pdf<br>EXISTING HAZARD INSURANCE (47).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853052 | xxxxxx | D A | Closed | xxxxxx | 2025-11-08 15:25 | 2025-11-11 10:00 | 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-11/11/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing rent free letter. - Due Diligence Vendor-11/08/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-11/11/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.59% 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 786 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 12.27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  | LOE - MISCELLANEOUS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853063 | xxxxxx | D A | Closed | xxxxxx | 2025-10-13 09:54 | 2025-10-16 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Title Document is missing - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-10/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.09 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | PRELIM TITLE REPORT - 2025-10-15T102643.264.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853092 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853099 | xxxxxx | D A | Closed | xxxxxx | 2025-11-19 01:38 | 2025-12-03 08:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Please see income worksheet - Due Diligence Vendor-12/02/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-11/19/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.01% 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 - 6.58 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | Full Review853099_xxxxxx_12_2_2025_95914_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853099 | xxxxxx | D A | Closed | xxxxxx | 2025-11-19 02:12 | 2025-12-03 08:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Please see gap report - Due Diligence Vendor-12/02/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/19/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.01% 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 - 6.58 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | Full Review853099_xxxxxx_12_2_2025_95950_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853138 | xxxxxx | D A | Closed | xxxxxx | 2025-12-15 00:45 | 2025-12-19 12:41 | 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-12/19/2025 <br>Ready for Review-Document Uploaded. Please see attached Gap Credit Report. - Due Diligence Vendor-12/18/2025 <br>Open-Borrower 1 Gap Credit Report is Missing . As per guidelines: A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. Subject credit report was 37 days at closing and gap report/UDM report was not provided as required. - Due Diligence Vendor-12/15/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/19/2025<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 - 14.50 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 - 14.50 Years |  | Full Review853138_xxxxxx_12_17_2025_114055_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853140 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-18 14:18 | 2025-11-21 13:57 | 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-11/21/2025 <br>Ready for Review-Document Uploaded. uploaded insurance - Due Diligence Vendor-11/20/2025 <br>Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-11/18/2025 |  | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-11/21/2025<br>| Audited reserves exceed guideline minimum - Reserves exceed requirement by 10 months or more <br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 52.54% 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 - Validated Months Reserves Of 23.23 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review853140_xxxxxx_11_20_2025_124249_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853140 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-16 13:26 | 2026-01-16 13:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client exception granted with compensating factors to waive Fidelity coverage minimum requirement on master policy. - Due Diligence Vendor-01/16/2026 <br>Open-Condo project does not meet guidelines. Fidelity bond/employee dishonesty coverage does not meet guideline required coverage. - Due Diligence Vendor-01/16/2026 |  | Waived-Client exception granted with compensating factors to waive Fidelity coverage minimum requirement on master policy. - Due Diligence Vendor-01/16/2026<br>| Audited reserves exceed guideline minimum - Reserves exceed requirement by 10 months or more <br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 52.54% 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 - Validated Months Reserves Of 23.23 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853144 | xxxxxx | D A | Closed | xxxxxx | 2025-12-18 00:37 | 2025-12-29 09:12 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. 1003 - Due Diligence Vendor-12/29/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-12/18/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/29/2025<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 - 20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 487.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<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 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 4.9% 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 51.66% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 853144_xxxxxx_1003_nd_4506C.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853206 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853216 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853219 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 15:11 | 2025-12-04 08:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Please see attached worksheet. - Due Diligence Vendor-12/03/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary that aligns with the income used from xxxxxx account No xxxxxx. - Due Diligence Vendor-11/26/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 155.49 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum Calculated DTI Of 14.81% 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 is Greater Than The Guideline Minimum Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 5.75 Years<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | Full Review853219_xxxxxx_12_3_2025_115752_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853228 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 01:20 | 2025-12-15 13:34 | 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-12/15/2025 <br>Ready for Review-Document Uploaded. Please see attached Gap Credit Report - Due Diligence Vendor-12/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. - Due Diligence Vendor-12/08/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 273.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.13% 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 758 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.12 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>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 - 25.45 Years |  | Full Review853228_xxxxxx_12_12_2025_33656_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 853228 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 01:20 | 2025-12-15 13:34 | 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-12/15/2025 <br>Ready for Review-Document Uploaded. Please see attached Gap Credit Report - Due Diligence Vendor-12/15/2025 <br>Open-Borrower 2 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. - Due Diligence Vendor-12/08/2025 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 273.82 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.13% 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 758 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.12 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>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 - 25.45 Years |  | Full Review853284_xxxxxx_12_12_2025_33710_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 853268 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853280 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 853284 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-09 09:39 | 2025-12-22 11:26 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: The request for an exception to xxxxxx eligibility criteria is granted for Missing HOA statement. - Due Diligence Vendor-12/22/2025 <br> Counter-Document Uploaded. Per xxxxxx Search for xxxxxx - it states this property is located in an HOA - there is a Fee of $50 per Monthly - Missing HOA statement - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. 12/12/25 - Lender response: Please see attached property profiles and google search. Both of these homes are SFR. No HOA Statement available nor needed. Please clarify where discrepancies are detected. - Due Diligence Vendor-12/15/2025 <br> Open-Missing HOA statements for xxxxxx. Needed to validate income calculator for REO rental income/loss. - Due Diligence Vendor-12/09/2025 |  | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: The request for an exception to xxxxxx eligibility criteria is granted for Missing HOA statement. - Due Diligence Vendor-12/22/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.62% 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 740 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 - 25.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 321.68 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<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 - 24.44 Years | Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines <br> Compensating Factor 2 - Credit Score 20 points > minimum required <br> Compensating Factor 3 - Reserves exceed requirement by 10 months or more | Full Review853284_xxxxxx_12_12_2025_34245_PM.zip<br> Screenshot 2025-12-15 091828.jpg | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 853284 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-08 07:04 | 2025-12-15 09:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Please see attached Business Purpose Disclosure - Due Diligence Vendor-12/15/2025 <br>Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. - Due Diligence Vendor-12/08/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/15/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.62% 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 740 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 - 25.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 321.68 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<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 - 24.44 Years |  | Full Review853284_xxxxxx_12_12_2025_33710_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853293 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 22:46 | 2025-12-22 18:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-validated - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. Can you please see if we can get the following condition signed off? All pages to the Title Commitment have been uploaded. Missing only the cover page. - Buyer-12/22/2025 <br>Counter-The File is missing the entire Title Policy, what was provided is a Mortgage Connect LP property report. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. Please see attached title as this loan is a CES with loan amount < $250K. - Due Diligence Vendor-12/22/2025 <br>Open-Title Document is missing Please provide subject property title policy as it was missing from the upload package with all the other loan documentation - Due Diligence Vendor-12/18/2025 |  | Resolved-validated - Due Diligence Vendor-12/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.98 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 56.17% 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 - 18.54 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 - 18.54 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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review853293_xxxxxx_12_19_2025_101726_AM.zip<br> xxxxxx_Title Commitment-Preliminary Report (3).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853294 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 853302 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 853314 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853319 | xxxxxx | D A | Closed | xxxxxx | 2025-11-27 22:17 | 2025-12-10 14:14 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. See attached questionnaire. - Due Diligence Vendor-12/09/2025 <br>Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-12/01/2025 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-12/10/2025<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 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 15.84% 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 - 10.89 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 1 Has Stable Job Time 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 |  | Full Review853319_xxxxxx_12_8_2025_51034_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853319 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 11:21 | 2025-12-09 10:13 | 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-12/09/2025 <br>Ready for Review-Document Uploaded. See attached gap report - Due Diligence Vendor-12/08/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. <br> - Due Diligence Vendor-12/01/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/09/2025<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 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 15.84% 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 - 10.89 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 1 Has Stable Job Time 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 |  | 853319_xxxxxx_credit_refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853319 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 12:08 | 2025-12-09 10:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Signed Credit Inquiry provided. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. See attached inquiry letter - Due Diligence Vendor-12/08/2025 <br>Open-Letter of Explanation (Credit) missing or unexecuted. Credit inquiries listed on the report within 90 days of the report date must be addressed by the borrower with a letter of explanation. <br> - Due Diligence Vendor-12/01/2025 |  | Resolved-Signed Credit Inquiry provided. - Due Diligence Vendor-12/09/2025<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 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 15.84% 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 - 10.89 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 1 Has Stable Job Time 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 |  | 853319_xxxxxx_credit_inquiry_letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853321 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 17:55 | 2025-12-24 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. HOA Questionnaire - Due Diligence Vendor-12/24/2025 <br>Open-HOA Questionnaire Document status is Missing. Missing HOA questionnaire from upload package of all loan documents - please provide - Due Diligence Vendor-12/18/2025 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-12/24/2025<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 - 8.43 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 - 34.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.14% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | 853325_xxxxxx_Attachment-1.pdf | ATR Risk: Lender did not document all ATR UW Factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 853325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 18:10 | 2025-12-24 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. Master COI with wall in - Due Diligence Vendor-12/24/2025 <br>Open-Missing Flood Insurance Policy Flood cert shows flood ins. policy will be required - please upload copy of current flood policy, complete with dates effective, policy number, and premium - Due Diligence Vendor-12/17/2025 |  | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-12/24/2025<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 - 8.43 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 - 34.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.14% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | 853325_xxxxxx_COI_w_walls_in_coverage_and_flood_insurance.pdf | ATR Risk: Lender did not document all ATR UW Factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 853325 | xxxxxx | D A | Closed | xxxxxx | 2025-12-17 18:10 | 2025-12-24 14:15 | 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-12/24/2025 <br> Ready for Review-Document Uploaded. Master HOI - Due Diligence Vendor-12/24/2025 <br> Open-Missing HO-6 Master Insurance Policy from file, loan property is xxxxxx, need HO-6 policy - please upload policy that reflects policy effective dates, premiums, property address, etc. - Due Diligence Vendor-12/17/2025 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-12/24/2025<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 - 8.43 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 - 34.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.14% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | 853325_xxxxxx_COI_w_walls_in_coverage_and_flood_insurance.pdf | ATR Risk: Lender did not document all ATR UW Factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 853334 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853342 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 06:15 | 2025-12-11 14:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-UCDP/SSR CU score of a 1 provided. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Please see attached SSR with CU Score of 1. xxxxxx! - Due Diligence Vendor-12/10/2025 <br>Open-Please verify Collateral Underwriter Score Provided is actually Missing. Collateral Underwriter Score\Appraisal review product is Missing. - Due Diligence Vendor-12/08/2025 |  | Resolved-UCDP/SSR CU score of a 1 provided. - Due Diligence Vendor-12/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 29.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 43.07% 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 743 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 743 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 - 7.39 Years |  | Full Review853342_xxxxxx_12_9_2025_95337_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853342 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 05:26 | 2025-12-11 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Please see the attached Fraud Report. xxxxxx! - Due Diligence Vendor-12/10/2025 <br>Open-Missing Third Party Fraud Report. - Due Diligence Vendor-12/08/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 29.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 43.07% 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 743 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 743 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 - 7.39 Years |  | Full Review853342_xxxxxx_12_9_2025_95414_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853345 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-26 14:08 | 2025-12-31 13:32 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval. - Due Diligence Vendor-12/31/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/26/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.62% 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 - 6.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.64 Are Greater Than The Guideline Minimum Of 6 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 - 26.06 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>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.06 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 |  | 853345_xxxxxx_Final_LDL_12.16.2025.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853345 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-26 13:15 | 2025-12-31 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. Please see attached income worksheet. - Due Diligence Vendor-12/31/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/26/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.62% 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 - 6.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.64 Are Greater Than The Guideline Minimum Of 6 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 - 26.06 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>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.06 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 |  | 853345_xxxxxx_ANALYSIS_11.18.2025.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853345 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-26 12:48 | 2025-12-31 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. Please see attached HOI. - Due Diligence Vendor-12/31/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-12/26/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.62% 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 - 6.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.64 Are Greater Than The Guideline Minimum Of 6 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 - 26.06 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>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.06 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 |  | 853345_xxxxxx_Property_Replacement_Cost_and_Coverage_Confirmation.pdf<br> 853345_xxxxxx_Homeowner_and_xxxxxx_New_PolicyAdjustment_Coverage_Info.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853345 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-29 06:27 | 2025-12-31 10:17 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked LE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-12/31/2025 <br> Resolved- - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Please see attached LE. - Due Diligence Vendor-12/31/2025 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. \*\*Lender to provide a copy of the missing revised Loan Estimate issued within 3 business days of the initial rate lock date. - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/29/2025 |  | Resolved-Locked LE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-12/31/2025 | 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.62% 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 - 6.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.64 Are Greater Than The Guideline Minimum Of 6 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 - 26.06 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> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.06 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 |  | Full Review853345_xxxxxx_12_30_2025_54631_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853345 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-29 00:03 | 2025-12-31 10:13 | 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-12/31/2025 <br> Ready for Review-Document Uploaded. Please see attached Homeownership Disclosure. - Due Diligence Vendor-12/31/2025 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-12/29/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-12/31/2025 | 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.62% 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 - 6.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.64 Are Greater Than The Guideline Minimum Of 6 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 - 26.06 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> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.06 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 |  | Full Review853345_xxxxxx_12_30_2025_54557_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853348 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853392 | xxxxxx | B A | Closed | xxxxxx | 2025-12-11 03:08 | 2025-12-15 11:06 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Please see the UW approval. xxxxxx! - Due Diligence Vendor-12/15/2025 <br> Open-1008/Underwriting Summary Not Provided Final 1008 not on file - Due Diligence Vendor-12/11/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/15/2025 | 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 - 10.40 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.21 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.40 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 - 10.40 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.69% 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 28.25% 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 - 5.08 Years |  | Full Review853392_xxxxxx_12_12_2025_32720_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853394 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 09:27 | 2025-12-11 08:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Interest Only addendum | Resolved-New Note & DOT provided. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. 12/9/25 - Please see copy of newly signed Note with I/O terms along with a newly signed Deed to include Riders. - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-11/26/2025 |  | Resolved-New Note & DOT provided. - Due Diligence Vendor-12/11/2025 | 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 0.05<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 785 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 - Validated Calculated DTI Of 43.84% 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 - Validated Months Reserves Of 77.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review853394_xxxxxx_12_9_2025_125426_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853409 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853443 | xxxxxx | D A | Closed | xxxxxx | 2025-12-15 13:46 | 2025-12-19 12:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Bank statement worksheet - Due Diligence Vendor-12/18/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/15/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/19/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 730 is Greater Than The Guideline Minimum Of 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 25.99 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.2% 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 |  | Full Review853443_xxxxxx_12_17_2025_110925_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853462 | xxxxxx | D A | Closed | xxxxxx | 2025-12-19 18:43 | 2025-12-29 09:33 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-Updated 1003 provided now reflecting Non-Permanent Resident Alien. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. 1003 - Due Diligence Vendor-12/29/2025 <br> Open-Provide corrected and initialed final and initial 1003 to correct citizenship as a foreign national. - Due Diligence Vendor-12/19/2025 |  | Resolved-Updated 1003 provided now reflecting Non-Permanent Resident Alien. - Due Diligence Vendor-12/29/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower At Current Residence For Five (5) Or More Years - 9.00 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 - 16.00 Years 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 - 15.32 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.32 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 853462_xxxxxx_URLA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853462 | xxxxxx | D A | Closed | xxxxxx | 2025-12-10 04:22 | 2025-12-16 14:41 | 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-12/16/2025 <br> Ready for Review-Document Uploaded. Please see the attached. xxxxxx! - Due Diligence Vendor-12/16/2025 <br> Open-Borrower 1 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan <br> closing or any time after closing. - Due Diligence Vendor-12/10/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/16/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower At Current Residence For Five (5) Or More Years - 9.00 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 - 16.00 Years 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 - 15.32 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.32 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review853462_xxxxxx_12_16_2025_120410_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853478 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 853483 | xxxxxx | B A | Closed | xxxxxx | 2025-12-09 16:09 | 2025-12-11 12:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client granted exception with compensating factors. Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 1) xxxxxx loan amount, min $150k. exception in file pg 310 - Due Diligence Vendor-12/11/2025 |  | Waived-Client granted exception with compensating factors. Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 1) xxxxxx loan amount, min $150k. exception in file pg 310 - Due Diligence Vendor-12/11/2025 | 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Borrower 1 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.32 Years<br>Borrower 1 Has Stable Job Time 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.25% 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 794 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853486 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 12:17 | 2025-12-11 07:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Mortgage statement provided - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Please see attached Mortgage Statement. - Due Diligence Vendor-12/09/2025 <br> Open-Missing current mortgage statement for REO xxxxxx showing in final settlement statement xxxxxx. - Due Diligence Vendor-12/05/2025 |  | Resolved-Mortgage statement provided - Due Diligence Vendor-12/11/2025 | 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 - 13.82 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.83 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 69.91 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 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 18.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review853486_xxxxxx_12_8_2025_111653_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853493 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 04:19 | 2025-12-11 10:08 | 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-12/11/2025 <br> Ready for Review-Document Uploaded. Please see the UPDATED UDN. xxxxxx! - Due Diligence Vendor-12/09/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-12/05/2025 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/11/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.68% 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 - 10.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 700 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.02 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 - 22.00 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 - 20.02 Years |  | Full Review853493_xxxxxx_12_8_2025_105950_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853493 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 04:19 | 2025-12-11 10:08 | 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-12/11/2025 <br> Ready for Review-Document Uploaded. Please see the UPDATED UDN. xxxxxx! - Due Diligence Vendor-12/09/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-12/05/2025 |  | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-12/11/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.68% 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 - 10.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 700 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.02 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 - 22.00 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 - 20.02 Years |  | Full Review853493_xxxxxx_12_8_2025_105950_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853493 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 04:40 | 2025-12-11 10:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Please see the email that reflects the premium amount. xxxxxx! - Due Diligence Vendor-12/09/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Policy premium amount not reflecting in the provided document. - Due Diligence Vendor-12/05/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/11/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.68% 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 - 10.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 700 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.02 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 - 22.00 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 - 20.02 Years |  | Full Review853493_xxxxxx_12_8_2025_110409_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853499 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 853501 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853510 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853528 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853535 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853536 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853561 | xxxxxx | C A | Closed | xxxxxx | 2025-11-28 09:26 | 2025-12-02 08:30 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-confirmation of xxxxxx application date has been provided - Due Diligence Vendor-12/02/2025 <br> Resolved- - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, the application was received on xxxxxx. Please see attached and waive this condition.<br> - Seller-12/01/2025 <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:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. \*\*\*\*\* Finding in relation to \*\*\*\*\*\* Per Loan detail report, application was received xxxxxx with the Initial LE sent xxxxxx. - Due Diligence Vendor-11/28/2025 <br> Open-Resolved - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 | Ready for Review-Document Uploaded. xxxxxx Team, the application was received on xxxxxx. Please see attached and waive this condition.<br> - Seller-12/01/2025 | Resolved-confirmation of xxxxxx application date has been provided - Due Diligence Vendor-12/02/2025 |  |  | xxxxxx_Condition.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853561 | xxxxxx | C A | Closed | xxxxxx | 2025-11-28 09:26 | 2025-12-02 08:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-confirmation of xxxxxx application date has been provided - Due Diligence Vendor-12/02/2025 <br> Resolved- - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, the application was received on xxxxxx. Please see attached and waive this condition.<br> - Seller-12/01/2025 <br> Open-\*\*\*\*\* Finding in relation to \*\*\*\*\*\* Per Loan detail report, application was received xxxxxx with the Initial LE sent xxxxxx. - Due Diligence Vendor-11/28/2025 <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 $3,410.50.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). - Due Diligence Vendor-11/28/2025 <br> Open-Resolved - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 | Ready for Review-Document Uploaded. xxxxxx Team, the application was received on xxxxxx. Please see attached and waive this condition.<br> - Seller-12/01/2025 | Resolved-confirmation of xxxxxx application date has been provided - Due Diligence Vendor-12/02/2025 |  |  | xxxxxx_Condition.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853561 | xxxxxx | C A | Closed | xxxxxx | 2025-11-28 09:26 | 2025-12-02 08:30 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-confirmation of xxxxxx application date has been provided - Due Diligence Vendor-12/02/2025 <br> Resolved- - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, the application was received on xxxxxx. Please see attached and waive this condition.<br> - Seller-12/01/2025 <br> Open-\*\*\*\*\* Finding in relation to \*\*\*\*\*\* Per Loan detail report, application was received xxxxxx with the Initial LE sent xxxxxx. - Due Diligence Vendor-11/28/2025 <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. - Due Diligence Vendor-11/28/2025 <br> Open-Resolved - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 | Ready for Review-Document Uploaded. xxxxxx Team, the application was received on xxxxxx. Please see attached and waive this condition.<br> - Seller-12/01/2025 | Resolved-confirmation of xxxxxx application date has been provided - Due Diligence Vendor-12/02/2025 |  |  | xxxxxx_Condition.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853561 | xxxxxx | C A | Closed | xxxxxx | 2025-11-28 09:26 | 2025-12-02 08:30 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-confirmation of xxxxxx application date has been provided - Due Diligence Vendor-12/02/2025 <br> Resolved- - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, the application was received on xxxxxx. Please see attached and waive this condition.<br> - Seller-12/01/2025 <br> Open-\*\*\*\*\* Finding in relation to \*\*\*\*\*\* Per Loan detail report, application was received xxxxxx with the Initial LE sent xxxxxx. - Due Diligence Vendor-11/28/2025 <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. - Due Diligence Vendor-11/28/2025 <br> Open-Resolved - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 | Ready for Review-Document Uploaded. xxxxxx Team, the application was received on xxxxxx. Please see attached and waive this condition.<br> - Seller-12/01/2025 | Resolved-confirmation of xxxxxx application date has been provided - Due Diligence Vendor-12/02/2025 |  |  | xxxxxx_Condition.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853561 | xxxxxx | C A | Closed | xxxxxx | 2025-11-28 09:26 | 2025-12-02 08:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-confirmation of xxxxxx application date has been provided - Due Diligence Vendor-12/02/2025 <br> Resolved- - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, the application was received on xxxxxx. Please see attached and waive this condition.<br> - Seller-12/01/2025 <br> Open-\*\*\*\*\* Finding in relation to \*\*\*\*\*\* Per Loan detail report, application was received xxxxxx with the Initial LE sent xxxxxx. - Due Diligence Vendor-11/28/2025 <br> Open-Resolved - Due Diligence Vendor-11/28/2025 <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% ($2,030.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 | Ready for Review-Document Uploaded. xxxxxx Team, the application was received on xxxxxx. Please see attached and waive this condition.<br> - Seller-12/01/2025 | Resolved-confirmation of xxxxxx application date has been provided - Due Diligence Vendor-12/02/2025 |  |  | xxxxxx_Condition.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853561 | xxxxxx | C A | Closed | xxxxxx | 2025-11-28 09:26 | 2025-12-02 08:30 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-confirmation of xxxxxx application date has been provided - Due Diligence Vendor-12/02/2025 <br> Resolved- - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, the application was received on xxxxxx. Please see attached and waive this condition.<br> - Seller-12/01/2025 <br> Open-\*\*\*\*\*\* Per Loan detail report, application was received xxxxxx with the Initial LE sent xxxxxx. - Due Diligence Vendor-11/28/2025 <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 xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 | Ready for Review-Document Uploaded. xxxxxx Team, the application was received on xxxxxx. Please see attached and waive this condition.<br> - Seller-12/01/2025 | Resolved-confirmation of xxxxxx application date has been provided - Due Diligence Vendor-12/02/2025 |  |  | xxxxxx_Condition.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853562 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853567 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853573 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853582 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-01 13:38 | 2025-12-12 19:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Additional assets documented to evidence sufficient reserves. - Due Diligence Vendor-12/13/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/12/2025 <br> Open-Audited Reserves of 7.3 are less than Guideline Required Reserves of 12 Loan is short $93,474.32. TPR was able to verify xxxxxx in the amount of $183820.33, but was notable to verify additional asset listed on 1003 from xxxxxx in the amount of xxxxxx. Lender to provide additional supporting assets in the amount no less than $93474.32 - Due Diligence Vendor-12/01/2025 |  | Resolved-Additional assets documented to evidence sufficient reserves. - Due Diligence Vendor-12/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.97% 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 761 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 - 19.08 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 0.22<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 - 6.28 Years |  | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853582 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-01 12:19 | 2025-12-12 19:52 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Subject property is not part of a PUD. - Due Diligence Vendor-12/13/2025 <br> Ready for Review-Document Uploaded. See attached updated appraisal. - Buyer-12/12/2025 <br> Open-PUD Rider is Missing - Due Diligence Vendor-12/01/2025 |  | Resolved-Subject property is not part of a PUD. - Due Diligence Vendor-12/13/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.97% 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 761 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 - 19.08 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 0.22<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 - 6.28 Years |  | appraisal (5).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853644 | xxxxxx | C A | Closed | xxxxxx | 2025-11-28 16:29 | 2025-12-09 13:23 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Ø one or more appraisals; proof the appraisal(s) was delivered to the borrower not less than 3 days prior to consummation.<br> Ø an escrow account for Insurance(s) and Taxes has been established.<br> - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <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-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 |  | Resolved-Ø one or more appraisals; proof the appraisal(s) was delivered to the borrower not less than 3 days prior to consummation.<br> Ø an escrow account for Insurance(s) and Taxes has been established.<br> - Due Diligence Vendor-12/09/2025<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 - 11.00 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 - 10.99 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 - 10.99 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853644 | xxxxxx | C A | Closed | xxxxxx | 2025-11-28 16:32 | 2025-12-03 10:52 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please see attached CD. - Due Diligence Vendor-12/03/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the_Initia clsoing disclosure Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-11/28/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/03/2025<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> 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 - 10.99 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 - 10.99 Years |  | Full Review853644_xxxxxx_12_2_2025_54125_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853650 | xxxxxx | D A | Closed | xxxxxx | 2025-12-15 01:27 | 2026-01-02 08:06 | 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-01/02/2026 <br> Ready for Review-Document Uploaded. Credit refresh - Due Diligence Vendor-12/31/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Per xxxxxx guidelines, a gap credit report is required no more than 30 days prior to loan closing, or any time after closing - qc has not found one on file - Due Diligence Vendor-12/15/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/02/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.6% 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 371.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30.62% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 853650_xxxxxx-CREDIT_REFRESH.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853650 | xxxxxx | D A | Closed | xxxxxx | 2025-12-15 01:27 | 2026-01-02 08:06 | 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-01/02/2026 <br> Ready for Review-Document Uploaded. Credit refresh - Due Diligence Vendor-12/31/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Per xxxxxx guidelines, a gap credit report is required no more than 30 days prior to loan closing, or any time after closing - qc has not found one on file - Due Diligence Vendor-12/15/2025 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/02/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.6% 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 371.73 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30.62% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 853650_xxxxxx-CREDIT_REFRESH.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853662 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853664 | xxxxxx | C A | Closed | xxxxxx | 2025-12-26 08:33 | 2025-12-31 08:16 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-desk review provided - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Please see uploaded CDA. xxxxxx! - Due Diligence Vendor-12/31/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.4) Provide a third party review product or desk review that supports the appraised value. - Due Diligence Vendor-12/30/2025 |  | Resolved-desk review provided - Due Diligence Vendor-12/31/2025<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 0.21<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 - 18.73 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 23.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.5% 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 767 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 853664_xxxxxx_cda.pdf<br> 853664_xxxxxx_cda_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853667 | xxxxxx | D A | Closed | xxxxxx | 2025-12-04 18:19 | 2025-12-11 10:10 | 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-12/11/2025 <br> Ready for Review-Document Uploaded. Please see gap report - Due Diligence Vendor-12/09/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Borrower 1 & Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-12/04/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/11/2025 | 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.94 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.27% 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 56.43% 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 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review853667_xxxxxx_12_8_2025_23603_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853672 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853762 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 03:35 | 2025-12-09 09:49 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Please find the 1008 attached! xxxxxx! - Due Diligence Vendor-12/08/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/01/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/09/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.75 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.43% 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 726 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 39.58% 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 - 19.62 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | 853762_xxxxxx_1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853762 | xxxxxx | D A | Closed | xxxxxx | 2025-12-01 01:42 | 2025-12-09 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-12/08/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/01/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/09/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.75 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.43% 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 726 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 39.58% 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 - 19.62 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | Full Review853762_xxxxxx_12_4_2025_13134_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853771 | xxxxxx | D A | Closed | xxxxxx | 2025-11-19 10:03 | 2025-11-26 17:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. See attached income worksheet. xxxxxx for the formatting. It would not print to PDF correctly - Due Diligence Vendor-11/26/2025 <br> Counter-Missing Lender Worksheet or Bank Statement Summary Worksheet for :xxxxxx (already have bank statement summary for the other LLC xxxxxx) - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Collateral underwriter with Risk Score 1.5 uploaded. Risk is below 2.5 threshold. - Due Diligence Vendor-11/24/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Bank Statement Summary for business income # xxxxxx. - Due Diligence Vendor-11/19/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/26/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.26% 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 - 18.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.58 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 - 18.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.25 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | Full Review853771_xxxxxx_11_26_2025_104655_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853771 | xxxxxx | D A | Closed | xxxxxx | 2025-11-18 13:15 | 2025-11-21 15:13 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Please see 1003 with all pages - Due Diligence Vendor-11/21/2025 <br> Open-The Final 1003 is Incomplete Final 1003 pages 1 & 2 are missing . - Due Diligence Vendor-11/18/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-11/21/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.26% 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 - 18.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.58 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 - 18.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.25 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | Full Review853771_xxxxxx_11_20_2025_33250_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853775 | xxxxxx | D A | Closed | xxxxxx | 2025-12-12 12:51 | 2025-12-16 14:39 | 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-12/16/2025 <br> Ready for Review-Document Uploaded. Please see the DRIVE report which includes the UDM Status. xxxxxx! - Due Diligence Vendor-12/16/2025 <br> Open-Borrower 1 Gap Credit Report is Missing . Section 2.5.2 requires a GAP credit report no more than 30-day prior to loan closing, subject = 57 days. - Due Diligence Vendor-12/12/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.03% 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 0.08 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | Full Review853775_xxxxxx_12_16_2025_80702_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853786 | xxxxxx | B A | Closed | xxxxxx | 2025-12-04 09:50 | 2025-12-11 14:02 | Resolved | 1 - Information B A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Please see worksheet - Due Diligence Vendor-12/10/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/04/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/11/2025 | 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 - 32.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.50 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 - 19.46 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.46 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 751 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 40.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review853786_xxxxxx_12_9_2025_112029_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853840 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853852 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853880 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 07:45 | 2025-12-11 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Please see the BUS, FORMATION AND BUS. NARRATIVE. xxxxxx! - Due Diligence Vendor-12/10/2025 <br> Open-Borrower 1 CPA Letter Missing Per lender guides under xxxxxx Guide 11/10/2025 Final.pdf / pg #119 / Bullet point #4 requires one of the following: Document the borrower's length of ownership of the business through one of the following: CPA Letter, or Business License. Lender to provide one or the other listed for borrowers business xxxxxx supporting a minimum of 2 yrs current ownership. (Lenders verification of CPA is in file under doc pg #159) - Due Diligence Vendor-12/08/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-12/11/2025 | 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 - 30.76 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 - 40.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.98 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Full Review853880_xxxxxx_12_9_2025_15539_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853880 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 07:58 | 2025-12-11 14:05 | 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-12/11/2025 <br> Ready for Review-Document Uploaded. Please see the provided UDN. xxxxxx! - Due Diligence Vendor-12/10/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Lenders guides under xxxxxx Guide 11.10.2025.Final under pg #90 / 2.6.2 Clearly states : A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. • Any new tradeline with a balance must be included in determining the DTI ratio. Guides do not give an option for just an inquiry LOX <br> - Due Diligence Vendor-12/08/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/11/2025 | 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 - 30.76 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 - 40.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.98 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Full Review853880_xxxxxx_12_9_2025_113029_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853880 | xxxxxx | D A | Closed | xxxxxx | 2025-12-06 19:48 | 2025-12-11 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Please see the Fraud Report. xxxxxx! - Due Diligence Vendor-12/10/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/07/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/11/2025 | 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 - 30.76 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 - 40.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.98 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Full Review853880_xxxxxx_12_9_2025_112958_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853893 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853898 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853907 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853911 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853912 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853940 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853941 | xxxxxx | D A | Closed | xxxxxx | 2025-12-15 14:16 | 2025-12-16 08:45 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CU & LCA provided - Per xxxxxx 1st Lien Guidelines: 2.10.1.3.1 Appraisal review - An appraisal review product is required on every loan file unless a second appraisal is obtained. The following options are eligible review products: The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® (LCA). An eligible score is 2.5 or less. The file must include a copy of the Submission Summary Report (SSR). Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. See attached xxxxxx and xxxxxx SSRs. - Buyer-12/15/2025 <br> Open-Provide the appraisal review product for this transaction. - Due Diligence Vendor-12/15/2025 |  | Resolved-CU & LCA provided - Per xxxxxx 1st Lien Guidelines: 2.10.1.3.1 Appraisal review - An appraisal review product is required on every loan file unless a second appraisal is obtained. The following options are eligible review products: The Seller may submit the appraisal report to Collateral Underwriter® (CU) or Loan Collateral Advisor® (LCA). An eligible score is 2.5 or less. The file must include a copy of the Submission Summary Report (SSR). Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 - Due Diligence Vendor-12/16/2025 | 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<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.85 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | MergedDocument (3) (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853942 | xxxxxx | B A | Closed | xxxxxx | 2025-11-28 05:04 | 2025-11-28 05:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client granted exception with compensating factors. Guidelines require max of 3 overdrafts and NSF. Exception approval is required for 8 NSF occurrences - Due Diligence Vendor-11/28/2025 |  | Waived-Client granted exception with compensating factors. Guidelines require max of 3 overdrafts and NSF. Exception approval is required for 8 NSF occurrences - Due Diligence Vendor-11/28/2025 | 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 - 7.78 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | • Residual income of $42,118.95.<br> • Housing ratio of $17.967%.<br> • Debt ratio of 39.355%.<br> • All consumer credit paid as agreed in the most recent 12 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853942 | xxxxxx | B A | Closed | xxxxxx | 2025-11-28 05:03 | 2025-11-28 05:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan Amount does not meet eligibility requirement(s) | Waived-Client granted exception with compensating factors. Guidelines require max of $2MM for properties located in xxxxxx. Exception approval is required to retain loan amount at xxxxxx. - Due Diligence Vendor-11/28/2025 |  | Waived-Client granted exception with compensating factors. Guidelines require max of $2MM for properties located in xxxxxx. Exception approval is required to retain loan amount at xxxxxx. - Due Diligence Vendor-11/28/2025 | 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 - 7.78 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | · Residual income of $42,118.95.<br> · Housing ratio of $17.967%.<br> · Debt ratio of 39.355%.<br> · All consumer credit paid as agreed in the most recent 12 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853942 | xxxxxx | B A | Closed | xxxxxx | 2025-11-28 05:02 | 2025-11-28 05:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client granted exception with compensating factors. Audited CLTV of 80% exceeds Guideline CLTV of 75% Guidelines has a max LTV of 75% for loan amount of $2.MM and FICO of 685. Exception approval is required to proceed with 80% LTV. - Due Diligence Vendor-11/28/2025 |  | Waived-Client granted exception with compensating factors. Audited CLTV of 80% exceeds Guideline CLTV of 75% Guidelines has a max LTV of 75% for loan amount of $2.MM and FICO of 685. Exception approval is required to proceed with 80% LTV. - Due Diligence Vendor-11/28/2025 | 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 - 7.78 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Residual income of $42,118.95.<br> • Housing ratio of $17.967%.<br> • Debt ratio of 39.355%.<br> • All consumer credit paid as agreed in the most recent 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853942 | xxxxxx | B A | Closed | xxxxxx | 2025-11-28 05:02 | 2025-11-28 05:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client granted exception with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% Guidelines has a max LTV of 75% for loan amount of $2.MM and FICO of 685. Exception approval is required to proceed with 80% LTV - Due Diligence Vendor-11/28/2025 |  | Waived-Client granted exception with compensating factors. Audited LTV of 80% exceeds Guideline LTV of 75% Guidelines has a max LTV of 75% for loan amount of $2.MM and FICO of 685. Exception approval is required to proceed with 80% LTV - Due Diligence Vendor-11/28/2025 | 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 - 7.78 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Residual income of $42,118.95.<br> • Housing ratio of $17.967%.<br> • Debt ratio of 39.355%.<br> • All consumer credit paid as agreed in the most recent 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853942 | xxxxxx | B A | Closed | xxxxxx | 2025-11-28 05:02 | 2025-11-28 05:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client granted exception with compensating factors. Audited Reserves of 8.03 are less than Guideline Required Reserves of 12 Guidelines require 12 months' reserves. Exception approval is required for having 8.75 months of reserves only. - Due Diligence Vendor-11/28/2025 |  | Waived-Client granted exception with compensating factors. Audited Reserves of 8.03 are less than Guideline Required Reserves of 12 Guidelines require 12 months' reserves. Exception approval is required for having 8.75 months of reserves only. - Due Diligence Vendor-11/28/2025 | 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 - 7.78 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | • Residual income of $42,118.95.<br> • Housing ratio of $17.967%.<br> • Debt ratio of 39.355%.<br> • All consumer credit paid as agreed in the most recent 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853942 | xxxxxx | B A | Closed | xxxxxx | 2025-11-28 05:02 | 2025-11-28 05:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Client granted exception with compensating factors. Audited HCLTV of 80% exceeds Guideline HCLTV of 75% Guidelines has a max LTV of 75% for loan amount of $2.MM and FICO of 685. Exception approval is required to proceed with 80% LTV - Due Diligence Vendor-11/28/2025 |  | Waived-Client granted exception with compensating factors. Audited HCLTV of 80% exceeds Guideline HCLTV of 75% Guidelines has a max LTV of 75% for loan amount of $2.MM and FICO of 685. Exception approval is required to proceed with 80% LTV - Due Diligence Vendor-11/28/2025 | 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 - 7.78 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | • Residual income of $42,118.95.<br> • Housing ratio of $17.967%.<br> • Debt ratio of 39.355%.<br> • All consumer credit paid as agreed in the most recent 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853943 | xxxxxx | C A | Closed | xxxxxx | 2025-11-20 10:32 | 2025-12-03 07:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Final CD - TPRs will not cite additional exceptions when cure refunds are provided for tolerance violations cures but the CD does not properly reflect cure in Section J --- FCD section J shows LC in the cure amount as a lump sum credit to borrower. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-The following charges have been increased: Transfer tax resulting in a 0% tolerance cure in the amount of $22. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $22 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 <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 $22.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Final CD - TPRs will not cite additional exceptions when cure refunds are provided for tolerance violations cures but the CD does not properly reflect cure in Section J --- FCD section J shows LC in the cure amount as a lump sum credit to borrower. - Due Diligence Vendor-12/03/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.35% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.42 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.47 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  | FINAL CLOSING DISCLOSURE - WET.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853943 | xxxxxx | C A | Closed | xxxxxx | 2025-11-20 10:32 | 2025-12-03 07:43 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Final CD - TPRs will not cite additional exceptions when cure refunds are provided for tolerance violations cures but the CD does not properly reflect cure in Section J --- FCD section J shows LC in the cure amount as a lump sum credit to borrower. - Due Diligence Vendor-12/03/2025 <br> Open-The following charges have been increased: Transfer tax resulting in a 0% tolerance cure in the amount of $22. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $22 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 <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-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 |  | Resolved-Final CD - TPRs will not cite additional exceptions when cure refunds are provided for tolerance violations cures but the CD does not properly reflect cure in Section J --- FCD section J shows LC in the cure amount as a lump sum credit to borrower. - Due Diligence Vendor-12/03/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.35% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.42 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.47 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853943 | xxxxxx | C A | Closed | xxxxxx | 2025-11-20 10:32 | 2025-12-03 07:43 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Final CD - TPRs will not cite additional exceptions when cure refunds are provided for tolerance violations cures but the CD does not properly reflect cure in Section J --- FCD section J shows LC in the cure amount as a lump sum credit to borrower. - Due Diligence Vendor-12/03/2025 <br> Open-The following charges have been increased: Transfer tax resulting in a 0% tolerance cure in the amount of $22. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $22 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 <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-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 |  | Resolved-Final CD - TPRs will not cite additional exceptions when cure refunds are provided for tolerance violations cures but the CD does not properly reflect cure in Section J --- FCD section J shows LC in the cure amount as a lump sum credit to borrower. - Due Diligence Vendor-12/03/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.35% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.42 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.47 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853944 | xxxxxx | B A | Closed | xxxxxx | 2025-11-24 06:14 | 2025-11-24 06:14 | Waived | 2 - Non-Material B | Credit | Assets | PITI Reserves does not meet eligibility requirement(s) | Waived-Client granted exception with compensating factors. Exception approval to allow 2 months reserves instead of 3 months from most recent guideline 11/03/25 - for 75% LTV requires of 3 months reserves - Due Diligence Vendor-11/24/2025 |  | Waived-Client granted exception with compensating factors. Exception approval to allow 2 months reserves instead of 3 months from most recent guideline 11/03/25 - for 75% LTV requires of 3 months reserves - Due Diligence Vendor-11/24/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years | Housing Expense is 17.459% less than 25%<br> DTI is 21.259% less than 35%<br> Borrower is owner of the business |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 853944 | xxxxxx | B A | Closed | xxxxxx | 2025-11-24 06:12 | 2025-11-24 06:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client granted exception with compensating factors. Exception approval to use the most recent guide 11/03 - allowing expense statement prepared and signed by CPA letter for program (xxxxxx - Due Diligence Vendor-11/24/2025 |  | Waived-Client granted exception with compensating factors. Exception approval to use the most recent guide 11/03 - allowing expense statement prepared and signed by CPA letter for program (xxxxxx - Due Diligence Vendor-11/24/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years | ousing Expense is 17.459% less than 25%<br> DTI is 21.259% less than 35%<br> Borrower is owner of the busines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 853944 | xxxxxx | B A | Closed | xxxxxx | 2025-11-24 06:03 | 2025-11-24 06:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client granted exception with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Exception approval to allow 75% LTV which exceeded for maximum allowable of 70% for program xxxxxx with Rate and Term Primary<br> Residence and FICO score 662. - Due Diligence Vendor-11/24/2025 |  | Waived-Client granted exception with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% Exception approval to allow 75% LTV which exceeded for maximum allowable of 70% for program xxxxxx with Rate and Term Primary<br> Residence and FICO score 662. - Due Diligence Vendor-11/24/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years | Housing Expense is 17.459% less than 25%<br> DTI is 21.259% less than 35%<br> Borrower is owner of the busine |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 853944 | xxxxxx | B A | Closed | xxxxxx | 2025-11-24 06:03 | 2025-11-24 06:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client granted exception with compensating factors. Audited CLTV of 75% exceeds Guideline CLTV of 70% xception approval to allow 75% LTV which exceeded for maximum allowable of 70% for program xxxxxx with Rate and Term Primary. Residence and FICO score 662 - Due Diligence Vendor-11/24/2025 |  | Waived-Client granted exception with compensating factors. Audited CLTV of 75% exceeds Guideline CLTV of 70% xception approval to allow 75% LTV which exceeded for maximum allowable of 70% for program xxxxxx with Rate and Term Primary. Residence and FICO score 662 - Due Diligence Vendor-11/24/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years | Housing Expense is 17.459% less than 25%<br> DTI is 21.259% less than 35%<br> Borrower is owner of the business. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 853944 | xxxxxx | B A | Closed | xxxxxx | 2025-11-24 06:07 | 2025-11-24 06:07 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Incomplete | Waived-Client granted exception with compensating factors. TIN borrower is unable to provide xxxxxx government issued driver license that match subject property address. - Due Diligence Vendor-11/24/2025 |  | Waived-Client granted exception with compensating factors. TIN borrower is unable to provide xxxxxx government issued driver license that match subject property address. - Due Diligence Vendor-11/24/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.42% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years | Housing Expense is 17.459% less than 25%<br> DTI is 21.259% less than 35%<br> Borrower is owner of the business |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 853945 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-02 06:45 | 2025-12-05 13:02 | 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-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/04/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-12/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.96% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.92% 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 0.02<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 - 10.17 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 - 22.74 Years |  | LQCC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853945 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-02 07:08 | 2025-12-02 07:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client granted exception with compensating factors. Exception approval to use W7 in lieu of ITIN letter - Due Diligence Vendor-12/02/2025 |  | Waived-Client granted exception with compensating factors. Exception approval to use W7 in lieu of ITIN letter - Due Diligence Vendor-12/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.96% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.92% 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 0.02<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 - 10.17 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 - 22.74 Years | Current FICO is of 802 while min required score is 640 exceeds minimum credit score requirement by at least 162 points. Borrower is owner of the business |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 853945 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-02 07:04 | 2025-12-02 07:04 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Missing | Waived-Client granted exception with compensating factors. Exception approval to waive requirement for passport - Due Diligence Vendor-12/02/2025 |  | Waived-Client granted exception with compensating factors. Exception approval to waive requirement for passport - Due Diligence Vendor-12/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.96% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.92% 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 0.02<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 - 10.17 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 - 22.74 Years | Current FICO is of 802 while min required score is 640 exceeds minimum credit score requirement by at least 162 points. Borrower is owner of the business |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 853945 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-02 07:02 | 2025-12-02 07:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Residual Income Does Not Meet Guideline Requirements | Waived-Client granted exception with compensating factors. Exception approval to use the most recent guide 11/03/25 that Residual Income is $1,655.82 which did not meet minimum residual income of. $3500 for DTI >43% - Due Diligence Vendor-12/02/2025 |  | Waived-Client granted exception with compensating factors. Exception approval to use the most recent guide 11/03/25 that Residual Income is $1,655.82 which did not meet minimum residual income of. $3500 for DTI >43% - Due Diligence Vendor-12/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.96% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.92% 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 0.02<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 - 10.17 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 - 22.74 Years | Current FICO is of 802 while min required score is 640 exceeds minimum credit score requirement by at least 162 points. Borrower is owner of the business |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 853945 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-02 06:59 | 2025-12-02 06:59 | Waived | 2 - Non-Material B | Credit | Income | Income documentation does not meet guidelines | Waived-Client granted exception with compensating factors. Exception approval to use the most recent guide 11/03 - allowing expense statement prepared and signed by CPA letter for program (xxxxxx Program) for income in lieu of Profit and Loss statement. - Due Diligence Vendor-12/02/2025 |  | Waived-Client granted exception with compensating factors. Exception approval to use the most recent guide 11/03 - allowing expense statement prepared and signed by CPA letter for program (xxxxxx Program) for income in lieu of Profit and Loss statement. - Due Diligence Vendor-12/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.96% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.92% 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 0.02<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 - 10.17 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 - 22.74 Years | Current FICO is of 802 while min required score is 640 exceeds minimum credit score requirement by at least 162 points. Borrower is owner of the business |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 853945 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-16 13:33 | 2026-01-16 13:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client exception granted with compensating factors to allow DTI that exceeds guideline maximum. - Due Diligence Vendor-01/16/2026 <br> Open-Audited DTI of 49.96% exceeds guideline maximum of 45% with LTV of 70%. - Due Diligence Vendor-01/16/2026 |  | Waived-Client exception granted with compensating factors to allow DTI that exceeds guideline maximum. - Due Diligence Vendor-01/16/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.96% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.92% 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 0.02<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 - 10.17 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 - 22.74 Years | Current FICO is of 802 while min required score is 640 exceeds minimum credit score requirement by at least 162 points. Borrower is owner of the business |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 853946 | xxxxxx | B A | Closed | xxxxxx | 2025-11-25 07:00 | 2025-11-25 07:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contributions Do Not Meet Guidelines | Waived-Client granted exception with compensating factors. Exception approved to use seller credit for non-recurring closing cost and prepaid items. Guidelines only allow to use seller credit for non-recurring closing cos - Due Diligence Vendor-11/25/2025 |  | Waived-Client granted exception with compensating factors. Exception approved to use seller credit for non-recurring closing cost and prepaid items. Guidelines only allow to use seller credit for non-recurring closing cos - Due Diligence Vendor-11/25/2025 | 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>Low Credit Usage Ratio 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 | 1) Income is stable and has been employed in the same line of business since xxxxxx<br> 2) DTI<br> 3) Satisfactory housing history with a supporting high fico which supports debt management, low consumer deb |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853946 | xxxxxx | B A | Closed | xxxxxx | 2025-11-23 01:21 | 2025-11-25 06:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived-Client granted exception with compensating factors. Payment Shock Does Not Meet Guideline Requirements Exception approved for payment shock of 570.07%. Guidelines allow a maximum payment shock of 200%. - Due Diligence Vendor-11/25/2025 |  | Waived-Client granted exception with compensating factors. Payment Shock Does Not Meet Guideline Requirements Exception approved for payment shock of 570.07%. Guidelines allow a maximum payment shock of 200%. - Due Diligence Vendor-11/25/2025 | 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>Low Credit Usage Ratio 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 | 1) Income is stable and has been employed in the same line of business since xxxxxx<br> 2)DTI<br> 3) satisfactory housing history<br> 4) supporting high fico which supports debt management, low consumer debt. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853946 | xxxxxx | B A | Closed | xxxxxx | 2025-11-25 06:38 | 2025-11-25 06:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client granted exception with compensating factors. Housing History Does Not Meet Guideline Requirements Exception approved to waive the alternative documentation cancelled checks requirement to verify VOR completed by a private party - Due Diligence Vendor-11/25/2025 |  | Waived-Client granted exception with compensating factors. Housing History Does Not Meet Guideline Requirements Exception approved to waive the alternative documentation cancelled checks requirement to verify VOR completed by a private party - Due Diligence Vendor-11/25/2025 | 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>Low Credit Usage Ratio 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 | 1) Income is stable and has been employed in the same line of business since xxxxxx, <br> 2) DTI, <br> 3) satisfactory housing history<br> 4) supporting high fico which supports debt management, low consumer debt |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853946 | xxxxxx | B A | Closed | xxxxxx | 2025-11-25 06:36 | 2025-11-25 06:36 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client granted exception with compensating factors. Income and Employment Do Not Meet Guidelines EXCEPTION APPROVED TO WAIVE WVOE FOR PRIOR EMPLOYMENT - Due Diligence Vendor-11/25/2025 |  | Waived-Client granted exception with compensating factors. Income and Employment Do Not Meet Guidelines EXCEPTION APPROVED TO WAIVE WVOE FOR PRIOR EMPLOYMENT - Due Diligence Vendor-11/25/2025 | 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>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 853952 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853962 | xxxxxx | D A | Closed | xxxxxx | 2025-12-26 01:35 | 2025-12-31 13:52 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Please see xxxxxx Approval attached. - Due Diligence Vendor-12/31/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/26/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/31/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 482.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 853962_xxxxxx_853962_xxxxxx_Final_LDL_12.12.2025.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853962 | xxxxxx | D A | Closed | xxxxxx | 2025-12-26 05:56 | 2025-12-31 13:51 | 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-12/31/2025 <br> Ready for Review-Document Uploaded. Please see attached 2026 Budget with 2026 Quarterly Dues = $950.00. xxxxxx confirms; Located in the xxxxxx - Due Diligence Vendor-12/31/2025 <br> Open-Missing HOA document for xxxxxx<br> - Due Diligence Vendor-12/26/2025 |  | Resolved-HOA statement provided - Due Diligence Vendor-12/31/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 482.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 853962_xxxxxx_HOA_(2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853977 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853978 | xxxxxx | D A | Closed | xxxxxx | 2025-12-06 01:01 | 2025-12-12 12:46 | 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-12/12/2025 <br> Ready for Review-Document Uploaded. Please see the DRIVE report which include the Undisclosed Debt Monitoring Status and Alerts. xxxxxx! - Due Diligence Vendor-12/11/2025 <br> Open-Borrower 1 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan<br> closing or any time after closing. - Due Diligence Vendor-12/06/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/12/2025 | 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 - 6 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 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 738 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 0.13<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.45 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 - 11.25 Years |  | 853978_xxxxxx_Fraud_report_11-25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853978 | xxxxxx | D A | Closed | xxxxxx | 2025-12-06 01:01 | 2025-12-12 12:46 | 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-12/12/2025 <br> Ready for Review-Document Uploaded. Please see the DRIVE report which include the Undisclosed Debt Monitoring Status and Alerts. xxxxxx! - Due Diligence Vendor-12/11/2025 <br> Open-Borrower 2 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan<br> closing or any time after closing. - Due Diligence Vendor-12/06/2025 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/12/2025 | 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 - 6 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 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 738 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 0.13<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.45 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 - 11.25 Years |  | 853978_xxxxxx_Fraud_report_11-25.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853984 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853987 | xxxxxx | D A | Closed | xxxxxx | 2025-12-06 00:31 | 2025-12-15 07:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/12/2025 <br> Counter-xxxxxx for the confusion, Investment cash out - Missing Business Purpose/Occupancy Affidavit or Cash out letter from borrower - Due Diligence Vendor-12/11/2025 <br> Ready for Review-xxxxxx Team, the loan is refinance rate-term for investment . Please advise why we need it. xxxxxx - Seller-12/10/2025 <br> Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. - Due Diligence Vendor-12/06/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/12/2025 <br> Ready for Review-xxxxxx Team, the loan is refinance rate-term for investment . Please advise why we need it. xxxxxx - Seller-12/10/2025 | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-12/15/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.2% 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 69.4% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | LOE-CASHOUT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Limited Cash Out < 2% or less than $5000 | N/A | N/A | xxxxxx |
| 853990 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853991 | xxxxxx | C A | Closed | xxxxxx | 2025-12-01 19:53 | 2025-12-05 11:33 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCCD Provided disbursement date is xxxxxx - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD showing the disbursement date is xxxxxx. xxxxxx - Seller-12/03/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD showing the disbursement date is xxxxxx. xxxxxx - Seller-12/03/2025 | Resolved-PCCD Provided disbursement date is xxxxxx - Due Diligence Vendor-12/05/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.64% 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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | PCCD-9288.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853993 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854004 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854011 | xxxxxx | C A | Closed | xxxxxx | 2025-12-19 15:35 | 2025-12-24 13:37 | 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-12/24/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Final SS and Post Consummation CD showing the cash to close is 28,485.20 and borrower has enough the fund to close. xxxxxx - Seller-12/23/2025 <br> Open-Total Liquid Assets Available for Close of $30007.60 is less than Total Cash to Close $32912.43. Total Liquid Assets Available for Close of $30007.60 is less than Total Cash to Close of $32,912.43. Short $2,904.83 to close. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Final SS and Post Consummation CD showing the cash to close is 28,485.20 and borrower has enough the fund to close. xxxxxx - Seller-12/23/2025 | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-12/24/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 719 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 719 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 0.24 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 40.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.45% 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 63.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 9231_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854011 | xxxxxx | C A | Closed | xxxxxx | 2025-12-22 08:26 | 2025-12-24 11:10 | 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-12/24/2025 <br> Resolved- - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, Please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-12/23/2025 <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 xxxxxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. xxxxxx Team, Please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-12/23/2025 | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/24/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 719 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 719 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 0.24 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 40.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.45% 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 63.8% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 9231_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854012 | xxxxxx | C A | Closed | xxxxxx | 2025-12-15 06:54 | 2025-12-18 13:10 | 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-12/18/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached the EOI and RCE. there were included in the CPs before. xxxxxx <br>- Seller-12/17/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $511000 RCE Missing. Hazard Insurance Coverage in the amount of xxxxxx, Dwelling Amount is Covers the Appraisal showing Estimated Cost new payment xxxxxx. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached the EOI and RCE. there were included in the CPs before. xxxxxx <br>- Seller-12/17/2025 | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/18/2025 | 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 - 5.59 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.32 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 0.13<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.13% 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 718 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | EOI &RCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854015 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854117 | xxxxxx | C A | Closed | xxxxxx | 2025-12-22 13:13 | 2025-12-22 14:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 90% is less than or equal to Guideline CLTV of 90% - updated PCCD provided evidencing all consumer debts paid at closing reducing the DTI to 45.00%. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see first CD, all debts were paid - Seller-12/22/2025 <br> Open-Audited CLTV of 90% exceeds Guideline CLTV of 80% - Max CLTV is 80% with DTI at or above 45%. xxxxxx exception is required. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. Please see first CD, all debts were paid - Seller-12/22/2025 | Resolved-Audited CLTV of 90% is less than or equal to Guideline CLTV of 90% - updated PCCD provided evidencing all consumer debts paid at closing reducing the DTI to 45.00%. - Due Diligence Vendor-12/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.8 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 - 16.92 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 - 18.29 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 - 35.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | PCCD 1st TD xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854120 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 00:03 | 2025-12-16 08:34 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. Please see attached Appraisal. - Due Diligence Vendor-12/15/2025 <br> Open-Appraisal is Missing in file - Due Diligence Vendor-12/05/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-12/16/2025 | 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 - 24.04 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 71.46% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Original LTV Of 71.46% 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 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 726 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 - 24.05 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.05 Years |  | Full Review854120_xxxxxx_12_15_2025_14227_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854122 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-30 09:40 | 2026-01-04 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/04/2026 <br> Ready for Review-Document Uploaded. Bank statement worksheet - Due Diligence Vendor-01/02/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary . Provide Bank statement income worksheet for review to support $68,817.86 as used to qualify. - Due Diligence Vendor-12/30/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/04/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.49% 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 - 18.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.54 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 - 25.96 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.96 Years |  | 854122_xxxxxx_854122_xxxxxx_ANALYSIS_11-22-25_SMM.xlsx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854122 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-31 11:45 | 2025-12-31 11:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client granted exception with compensating factors. The seller is requesting an exception for the NSF's - Due Diligence Vendor-12/31/2025 |  | Waived-Client granted exception with compensating factors. The seller is requesting an exception for the NSF's - Due Diligence Vendor-12/31/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.49% 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 - 18.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.54 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 - 25.96 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.96 Years | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. Reserves exceed requirement by 10 months or more. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 854139 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854158 | xxxxxx | C A | Closed | xxxxxx | 2025-11-24 21:22 | 2025-12-05 12:37 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Lender provided PCCD dated prior to TPR review with lender credit intended to cure. - Due Diligence Vendor-12/05/2025 <br> Resolved- - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. 12/3/25 - please see PCCD dated xxxxxx showing a lender credit of $180 in section J - Due Diligence Vendor-12/04/2025 <br> Open-\*\*\* Recording charges of $200 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $400. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $180 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br> - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/25/2025 <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-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 |  | Resolved-\*\*\*Lender provided PCCD dated prior to TPR review with lender credit intended to cure. - Due Diligence Vendor-12/05/2025 | 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 - 15.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 16.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.49 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 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 815 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 - Validated Calculated DTI Of 42.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review854158_xxxxxx_12_3_2025_53545_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854158 | xxxxxx | C A | Closed | xxxxxx | 2025-11-24 21:22 | 2025-12-05 12:37 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Lender provided PCCD dated prior to TPR review with lender credit intended to cure. - Due Diligence Vendor-12/05/2025 <br> Resolved- - Due Diligence Vendor-12/05/2025 <br> Ready for Review- - Due Diligence Vendor-12/05/2025 <br> Open-\*\*\* Recording charges of $200 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $400. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $180 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br> - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/25/2025 <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-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 |  | Resolved-\*\*\*Lender provided PCCD dated prior to TPR review with lender credit intended to cure. - Due Diligence Vendor-12/05/2025 | 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 - 15.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 16.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.49 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 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 815 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 - Validated Calculated DTI Of 42.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854158 | xxxxxx | C A | Closed | xxxxxx | 2025-11-24 21:22 | 2025-12-05 12:37 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*\*Lender provided PCCD dated prior to TPR review with lender credit intended to cure. - Due Diligence Vendor-12/05/2025 <br> Resolved- - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. 12/3/25 - please see PCCD dated xxxxxx showing a lender credit of $180 in section J attached to waterfall condition code xxxxxx - Due Diligence Vendor-12/04/2025 <br> Open-\*\*\* Recording charges of $200 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $400. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $180 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br> - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/25/2025 <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% ($400.00) exceed the comparable charges ($200.00) 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-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 |  | Resolved-\*\*\*Lender provided PCCD dated prior to TPR review with lender credit intended to cure. - Due Diligence Vendor-12/05/2025 | 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 - 15.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 16.45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.49 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 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 815 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 - Validated Calculated DTI Of 42.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review854158_xxxxxx_12_3_2025_53545_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854171 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854194 | xxxxxx | D A | Closed | xxxxxx | 2025-12-23 02:36 | 2025-12-31 13:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Please see attached assets. Using our cashout as reserve - Due Diligence Vendor-12/31/2025 <br> Open-Asset 1 Missing Retirement funds totaling $363,974.18 from xxxxxx were referenced; however, no corresponding statement was found in the file. - Due Diligence Vendor-12/23/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-12/31/2025 | 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 0.07<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.13 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 - 18.13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 155.67 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 9.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 819 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 854194_xxxxxx_401k.pdf<br> 854194_xxxxxx_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854194 | xxxxxx | D A | Closed | xxxxxx | 2025-12-23 02:36 | 2025-12-31 13:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Please see attached assets. Using our cashout as reserve - Due Diligence Vendor-12/31/2025 <br> Open-Asset 2 Missing The checking account associated with the xxxxxx account ending in 7629, with a balance of $20,965.70, was not found in the file. - Due Diligence Vendor-12/23/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-12/31/2025 | 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 0.07<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.13 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 - 18.13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 155.67 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 9.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 819 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 854194_xxxxxx_1003.pdf<br> 854194_xxxxxx_401k.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854219 | xxxxxx | C A | Closed | xxxxxx | 2025-12-01 23:56 | 2025-12-05 10:35 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-\*\*Received ICD - wet signature. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/04/2025 <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. \*\*\*\* 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-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/04/2025 | Resolved-\*\*Received ICD - wet signature. - Due Diligence Vendor-12/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.16% 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 - 6.00 Years |  | Signed CD9275.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854220 | xxxxxx | D A | Closed | xxxxxx | 2025-12-16 10:33 | 2025-12-18 13:43 | 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-12/18/2025 <br> Ready for Review-the borrower is self-employed and we have the CPA letter in the CP already - Seller-12/17/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/16/2025 | Ready for Review-the borrower is self-employed and we have the CPA letter in the CP already - Seller-12/17/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/18/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.88 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 736 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.44% 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 14.05% 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 | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854253 | xxxxxx | D A | Closed | xxxxxx | 2025-12-24 17:55 | 2025-12-30 13:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. See attached fraud report - Due Diligence Vendor-12/30/2025 <br> Open-Missing Third Party Fraud Report. - Due Diligence Vendor-12/24/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/30/2025 | 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 0.16<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 135.7 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.67% 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 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 854253_xxxxxx_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854266 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854269 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854271 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 17:28 | 2025-12-11 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Updated 1003 and Tax cert provided. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the revised Final 1003 for Tax& Insurance and PP showing the xxxxxx does not have HOA due. xxxxxx - Seller-12/10/2025 <br> Open-Missing HOA or other expense of about $1059.74 for xxxxxx, $1300 listed on 1003 as other minus taxes and insurance in file. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the revised Final 1003 for Tax& Insurance and PP showing the xxxxxx does not have HOA due. xxxxxx - Seller-12/10/2025 | Resolved-Updated 1003 and Tax cert provided. - Due Diligence Vendor-12/11/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio 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 - 7.89 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 42.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Condition.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854272 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854281 | xxxxxx | D B C A | Closed | xxxxxx | 2025-11-27 22:22 | 2025-12-05 11:31 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Final 1003 - Due Diligence Vendor-12/04/2025 <br> Open-The Final 1003 is Missing - Due Diligence Vendor-11/28/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/05/2025 | 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 0.15<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.91 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.6% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  | Full Review854281_xxxxxx_12_3_2025_31055_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854281 | xxxxxx | D B C A | Closed | xxxxxx | 2025-11-28 00:23 | 2025-12-05 11:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: Min loan amount is 150k. Seek exception to allow for xxxxxx loan.<br> - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. See attached exception approval. - Due Diligence Vendor-12/04/2025 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Exception required to allow for loan amount of xxxxxx which is below the minimum loan amount of $150,000. QC could not find approved exception in documents<br> - Due Diligence Vendor-11/28/2025 |  | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: Min loan amount is 150k. Seek exception to allow for xxxxxx loan.<br> - Due Diligence Vendor-12/05/2025 | 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 0.15<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.91 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.6% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More | Reserves exceed requirement by 10 months or more<br> Credit Score 30+ points > minimum required | Full Review854281_xxxxxx_12_3_2025_55427_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 854297 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854310 | xxxxxx | D A | Closed | xxxxxx | 2025-12-22 11:46 | 2025-12-26 09:19 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Lender provided for rental xxxxxx, Final HUD1, First payment letter(no escrow), 2 HOI policies and tax statement - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Document Uploaded. No worries! - Seller-12/24/2025 <br> Counter-xxxxxx for the confusion, Missing First payment Letter (if not escrowed) provided tax cert, HOI and HOA (if applicable) HUD reflects newly purchased property - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Open-Final Closing/Settlement Disclosure Missing for xxxxxx showing PITI. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. No worries! - Seller-12/24/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 | Resolved-Lender provided for rental xxxxxx, Final HUD1, First payment letter(no escrow), 2 HOI policies and tax statement - Due Diligence Vendor-12/26/2025 | 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 0.23<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.23 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 - 12.24 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.08% 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 77.52 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 6.47% 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 - 17 Years<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 740 By Twenty (20) or More Points |  | xxxxxx Settlement Combined.pdf<br> xxxxxx First payment lettter and back up docs for xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854335 | xxxxxx | D A | Closed | xxxxxx | 2025-12-11 11:49 | 2025-12-22 11:58 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-1st Lien - CU & LCA provided - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached SSR - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/11/2025 |  | Resolved-1st Lien - CU & LCA provided - Due Diligence Vendor-12/22/2025 | 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 - 5.91 Years<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 35.4% 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 0.22<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review854335_xxxxxx_12_18_2025_104249_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854335 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 13:58 | 2025-12-22 11:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 22.54 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached updated final 1003, 1008, and additional asset account. - Due Diligence Vendor-12/22/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 3 xxxxxx is an IRA account. As per xxxxxx guidelines, vested IRA account balances may only be considered at 70%. That means the qualifying balance is $101,448.35 instead of $144,926.22. 3 mos reserves on the file are $21,006.84 and the cash to close required from borrower is $204439.82. We show $158,745.00 total in assets on file now, with only $57,296.65 or those as liquid in the xxxxxx account xxxxxxxx. We need to show $204439.82 in funds to close, meaning we need to show an additional $147,143.17 in liquid funds for closing, and keep an additional $21006.84 on file for reserves. - Due Diligence Vendor-12/10/2025 |  | Resolved-Audited Reserves of 22.54 are greater than or equal to Guideline Required Reserves of 3 - Due Diligence Vendor-12/22/2025 | 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 - 5.91 Years<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 35.4% 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 0.22<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review854335_xxxxxx_12_18_2025_104205_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854335 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 10:30 | 2025-12-19 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. See flood cert - Due Diligence Vendor-12/17/2025 <br> Open-Missing Flood Certificate Flood certificate is missing from the file. We know from the flood determination that it is not in a flood zone, but the flood certificate still needs to be uploaded. - Due Diligence Vendor-12/08/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/19/2025<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 - 5.91 Years<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 35.4% 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 0.22<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review854335_xxxxxx_12_16_2025_41925_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854351 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854576 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854581 | xxxxxx | D A | Closed | xxxxxx | 2025-12-19 13:01 | 2025-12-29 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-LOE provided. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. See Lox - Due Diligence Vendor-12/29/2025 <br> Open-UW took C and S-Corp income and puts it into one income, dividing it by two and stating a client letter of explanation clarifies a change to the client's business structure. QC has been unable to find that letter after a thorough file review. Please provide the letter that explains the situation and justifies not splitting the income into two, separate incomes for the client. - Due Diligence Vendor-12/19/2025 |  | Resolved-LOE provided. - Due Diligence Vendor-12/29/2025<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 0.19<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.21% 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 18.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 721 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 854581_xxxxxx_lox.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854601 | xxxxxx | C A | Closed | xxxxxx | 2025-12-02 11:01 | 2025-12-09 08:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. ICD - Due Diligence Vendor-12/08/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the ICD. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-12/02/2025 |  | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/09/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.25 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.39% 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 0.09<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 854601_xxxxxx_ICD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854626 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 854628 | xxxxxx | D A | Closed | xxxxxx | 2025-12-16 09:08 | 2025-12-23 12:28 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable; received disclosure at resubmission. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Attorney Preference Disclosure - Due Diligence Vendor-12/22/2025 <br> Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-12/16/2025 |  | Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable; received disclosure at resubmission. - Due Diligence Vendor-12/23/2025 | 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 - 25.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<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 Calculated DTI Of 42.46% 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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.85 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.85 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | Full Review854628_xxxxxx_12_18_2025_33947_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854658 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854664 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854667 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854675 | xxxxxx | D A | Closed | xxxxxx | 2025-12-10 15:46 | 2025-12-13 10:28 | 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-12/13/2025 <br> Ready for Review-Document Uploaded. 12/11/25 - please see UDN - Due Diligence Vendor-12/12/2025 <br> Open-Borrower 1 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan <br> closing or any time after closing. Loan closed xxxxxx - Due Diligence Vendor-12/10/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 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 - 15.73 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.73 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.86 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 16.86 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.58 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 Borrower At Current Residence For Five (5) Or More Years - 18.00 Years |  | Full Review854675_xxxxxx_12_11_2025_41350_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854675 | xxxxxx | D A | Closed | xxxxxx | 2025-12-10 15:46 | 2025-12-13 10:28 | 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-12/13/2025 <br> Ready for Review-Document Uploaded. 12/11/25 - please see UDN - Due Diligence Vendor-12/12/2025 <br> Open-Borrower 2 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan <br> closing or any time after closing. Loan closed xxxxxx Initial credit report dated 10/6/2025 - Due Diligence Vendor-12/10/2025 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 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 - 15.73 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.73 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.86 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 16.86 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.58 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.58 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 Borrower At Current Residence For Five (5) Or More Years - 18.00 Years |  | Full Review854675_xxxxxx_12_11_2025_42140_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854733 | xxxxxx | C A | Closed | xxxxxx | 2025-12-09 14:08 | 2025-12-18 09:09 | Resolved | 1 - Information C A | Compliance | Closing Package | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. See executed 1003 - Due Diligence Vendor-12/17/2025 <br> Open-The Final 1003 is Not Executed - Due Diligence Vendor-12/09/2025 |  | Resolved-The Final 1003 is Executed - Due Diligence Vendor-12/18/2025<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 - 29.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.77 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.77 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 30.88% 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 - 18.42 Years Borrower At Current Residence For Five (5) Or More Years - 18.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 156.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Months Reserves Of 156.38 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review854733_xxxxxx_12_16_2025_34745_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854751 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854786 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854817 | xxxxxx | C A | Closed | xxxxxx | 2025-12-24 14:19 | 2025-12-30 08:41 | 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-12/30/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-12/29/2025 <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-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-12/29/2025 | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/30/2025<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 0.05<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 - 15.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 42.55% 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 - Validated Original LTV Of 66.67% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854817 | xxxxxx | C A | Closed | xxxxxx | 2025-12-24 14:19 | 2025-12-30 08:41 | Resolved | 1 - Information C A | Compliance | State Reg | xxxxxx Per Diem Interest Amount Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-12/29/2025 <br> Open-This loan failed the per diem interest amount test. (xxxxxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($1,741.67) exceeds the per diem interest charge or credit threshold ($1,559.39).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. \*\*Lender to provide confirmation of accurate funding/disbursement date and correct prepaid interest collected. - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/29/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-12/29/2025 | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/30/2025<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 0.05<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 - 15.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 42.55% 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 - Validated Original LTV Of 66.67% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854817 | xxxxxx | C A | Closed | xxxxxx | 2025-12-24 14:18 | 2025-12-30 08:40 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/29/2025 <br> Open-Initial Escrow Account Disclosure is Missing Lender to provide Initial Escrow Account Disclosure document. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/29/2025 | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-12/30/2025<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 0.05<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 - 15.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 42.55% 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 - Validated Original LTV Of 66.67% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | Waiver.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854819 | xxxxxx | C A | Closed | xxxxxx | 2025-12-19 03:46 | 2025-12-24 11:00 | 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-12/24/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, Please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-12/23/2025 <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 funding date is before the third business day following consummation of xxxxxx. - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. xxxxxx Team, Please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-12/23/2025 | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/24/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 30.91% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Original LTV Of 30.91% 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 44.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.66% 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 722 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854820 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854837 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 16:23 | 2025-12-11 12:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/11/2025 <br> Ready for Review-xxxxxx Team, this is a VOE file we don't upload lender worksheets or bank stmt summaries for these sorts of files. Please waive this condition. xxxxxx - Seller-12/10/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/08/2025 | Ready for Review-xxxxxx Team, this is a VOE file we don't upload lender worksheets or bank stmt summaries for these sorts of files. Please waive this condition. xxxxxx - Seller-12/10/2025 | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/11/2025<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 0.12<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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854838 | xxxxxx | C A | Closed | xxxxxx | 2025-12-08 15:47 | 2025-12-12 18:14 | Resolved | 1 - Information C A | Compliance | State Reg | xxxxxx Per Diem Interest Amount Test | Resolved- - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. xxxxxx , please see attached the Post Consummation CD showing the disbursement date is xxxxxx. xxxxxx - Seller-12/10/2025 <br> Open-This loan failed the per diem interest amount test. (xxxxxx Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($562.39) exceeds the per diem interest charge or credit threshold ($450.92).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. \*The Final CD's disbursement date is prior to closing date of xxxxxx. Lender to provide confirmation of accurate funding/disbursement date and accurate amount of prepaid interest collected. - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. xxxxxx , please see attached the Post Consummation CD showing the disbursement date is xxxxxx. xxxxxx - Seller-12/10/2025 |  | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.33 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 30.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Post CD 2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854838 | xxxxxx | C A | Closed | xxxxxx | 2025-12-08 15:48 | 2025-12-12 18:14 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. xxxxxx , please see attached the Post Consummation CD showing the disbursement date is xxxxxx. xxxxxx - Seller-12/10/2025 <br> Open-The Final CD's disbursement date is prior to closing date of xxxxxx. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. xxxxxx , please see attached the Post Consummation CD showing the disbursement date is xxxxxx. xxxxxx - Seller-12/10/2025 | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-12/11/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.33 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 30.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Post CD 2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854838 | xxxxxx | C A | Closed | xxxxxx | 2025-12-08 15:47 | 2025-12-12 18:14 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-PCCD provided - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/10/2025 <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 has the Credit Report 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-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/10/2025 | Resolved-PCCD provided - Due Diligence Vendor-12/11/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.33 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 30.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Post CD 2.pdf<br>Post CD-9334.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854839 | xxxxxx | C A | Closed | xxxxxx | 2025-12-19 15:37 | 2025-12-23 14:06 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCCD provided Disbursement date xxxxxx - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and the Final SS showing the disbursement date is xxxxxx. xxxxxx - Seller-12/22/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and the Final SS showing the disbursement date is xxxxxx. xxxxxx - Seller-12/22/2025 | Resolved-PCCD provided Disbursement date xxxxxx - Due Diligence Vendor-12/23/2025 | 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 - 13.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 750 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 16.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 16.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 8943_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854839 | xxxxxx | C A | Closed | xxxxxx | 2025-12-22 08:29 | 2025-12-23 09:39 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and the Final SS showing the disbursement date is xxxxxx. xxxxxx - Seller-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <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. - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and the Final SS showing the disbursement date is xxxxxx. xxxxxx - Seller-12/22/2025 | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-12/23/2025<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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 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 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 750 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 16.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 16.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 8943_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854840 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854842 | xxxxxx | D A | Closed | xxxxxx | 2025-12-15 14:46 | 2025-12-18 08:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Newly purchased Primary dated xxxxxx Final CD reflects taxes as xxxxxx per month. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Final CD showing the REO's property tax and insurance. the property xxxxxx is purchase house, so we use 1.25% of purchase price. xxxxxx - Seller-12/17/2025 <br> Open-Missing verification of taxes for primary residence located at xxxxxx - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Final CD showing the REO's property tax and insurance. the property xxxxxx is purchase house, so we use 1.25% of purchase price. xxxxxx - Seller-12/17/2025 | Resolved-Newly purchased Primary dated xxxxxx Final CD reflects taxes as xxxxxx per month. - Due Diligence Vendor-12/18/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.75% 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 59.85% 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 87.1 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 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 9430_REO's property tax.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854842 | xxxxxx | D A | Closed | xxxxxx | 2025-12-15 12:52 | 2025-12-18 08:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached the updated 1003& 1008 without assets. xxxxxx - Seller-12/17/2025 <br> Open-Asset 1 Missing Missing xxxxxx xxxxxx bank statement - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached the updated 1003& 1008 without assets. xxxxxx - Seller-12/17/2025 | Resolved-Asset 1 Provided - Due Diligence Vendor-12/18/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.75% 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 59.85% 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 87.1 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 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 9430_Asset Condition.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854842 | xxxxxx | D A | Closed | xxxxxx | 2025-12-15 11:51 | 2025-12-18 08:15 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/17/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/17/2025 | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/18/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.75% 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 59.85% 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 87.1 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 771 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 9430_EOI.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854904 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854954 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854966 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-18 02:02 | 2025-12-22 08:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: Exception for Audited LTV 78.43% granted. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/19/2025 <br> Open-Audited LTV of 78.43% exceeds Guideline LTV of 75% Calculated LTV of 78.43% exceeds Guideline LTV of 75% - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-12/19/2025 | Waived-Client granted exception with compensating factors. Exception granted with supporting comp factors: Exception for Audited LTV 78.43% granted. - Due Diligence Vendor-12/22/2025 | 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 0.12<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.56% 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 737 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | QUALIFYING FICO IS GREATER THAN THE GUIDELINE MINIMUM BY TWENTY (20) OR MORE POINTS<br> CALCULATED DTI IS LESS THAN THE GUIDELINE MAXIMUM BY FIVE PERCENT (5%) OR MORELOW<br> CREDIT USAGE RATIO OF TWENTY-FIVE PERCENT (2 | LTV exception-9395.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 854981 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855021 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855022 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855083 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855104 | xxxxxx | C A | Closed | xxxxxx | 2025-12-15 13:41 | 2025-12-18 09:42 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-No rate costs incurred = non-material - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/17/2025 <br> Open-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, 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-12/15/2025 <br> Open- - Due Diligence Vendor-12/16/2025 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 |  | Resolved-No rate costs incurred = non-material - Due Diligence Vendor-12/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 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 37.94% 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 20.69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  | xxxxxx LE.pdf<br> xxxxxx LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855110 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855145 | xxxxxx | D A | Closed | xxxxxx | 2025-12-12 00:35 | 2025-12-18 13:33 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Related documents provided. No further issues - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. See attached PUD rider and intent to rerecord. - Due Diligence Vendor-12/17/2025 <br> Open-\*\*\*\*\*\*\*\* Security Instrument is missing the PUD rider. Per the Appraisal provided, Security Instrument should include PUD rider. - Due Diligence Vendor-12/15/2025 |  | Resolved-Related documents provided. No further issues - Due Diligence Vendor-12/18/2025 | 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 - 10.47 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 - 10.48 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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.22% 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 - 6.08 Years |  | Full Review855145_xxxxxx_12_16_2025_24410_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855193 | xxxxxx | D A | Closed | xxxxxx | 2025-12-23 09:53 | 2025-12-29 10:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Please see attached contract, This was a FSBO transaction. Title completed all the contract-related terms in their escrow docs. Both are signed by buyer and seller. - Due Diligence Vendor-12/29/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-12/23/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-12/29/2025<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 - 6.36 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 - 6.36 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.27 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.59% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 855193_xxxxxx_FSBO_Contract.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855294 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855328 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855330 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855332 | xxxxxx | A | Closed | xxxxxx | 2025-12-24 15:25 | 2025-12-30 12:23 | Resolved | 1 - Information A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved- - Due Diligence Vendor-12/30/2025 <br> Rescinded-LTV 90% require 12 months reserves. - Due Diligence Vendor-12/30/2025 |  | Rescinded-LTV 90% require 12 months reserves. - Due Diligence Vendor-12/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 8.06 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxxxxx_Guide Variance Letter_06.24.2025.docx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855344 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855346 | xxxxxx | D A | Closed | xxxxxx | 2025-11-25 00:56 | 2025-12-01 15:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. - Seller-12/01/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/01/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 76.42% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 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 11.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.36% 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 0.13<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.53 Years |  | DATAVERIFY DRIVE REPORT (45).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855346 | xxxxxx | D A | Closed | xxxxxx | 2025-11-25 00:38 | 2025-12-01 15:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. court order for sale - Seller-12/01/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. court order for sale - Seller-12/01/2025 | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-12/01/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 76.42% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 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 11.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.36% 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 0.13<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.53 Years |  | PURCHASE CONTRACT (12).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855349 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855350 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855351 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855355 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855357 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855358 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855360 | xxxxxx | C A | Closed | xxxxxx | 2025-11-25 08:06 | 2025-12-02 12:46 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-IRS ITIN card provided. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-Provide missing ITIN IRS letter for B1 not located in file and required per guidelines. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-IRS ITIN card provided. - Due Diligence Vendor-12/02/2025<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 - 15.21 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.6% 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 - 15.21 Years |  | SOCIAL SECURITY CARDS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855360 | xxxxxx | C A | Closed | xxxxxx | 2025-11-25 15:09 | 2025-12-02 09:21 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/02/2025 <br> Resolved- - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $294.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of$294.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/01/2025 <br> Rescinded-HPML Compliant - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $294.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/02/2025 <br> Rescinded-HPML Compliant - Due Diligence Vendor-12/01/2025 | 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 - 15.21 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.6% 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 - 15.21 Years |  | CIC_COC CHANGE OF CIRCUMSTANCE (7).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855360 | xxxxxx | C A | Closed | xxxxxx | 2025-11-25 15:09 | 2025-12-02 09:21 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/02/2025 <br> Resolved- - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $294.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of$294.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/01/2025 <br> Rescinded-HPML Compliant - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <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. - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/02/2025 <br> Rescinded-HPML Compliant - Due Diligence Vendor-12/01/2025 | 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 - 15.21 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.6% 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 - 15.21 Years |  | CIC_COC CHANGE OF CIRCUMSTANCE (7).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855360 | xxxxxx | C A | Closed | xxxxxx | 2025-11-25 15:10 | 2025-12-02 09:21 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/02/2025 <br> Resolved- - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $294.00. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of$294.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/01/2025 <br> Rescinded-HPML Compliant - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <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. - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/02/2025 <br> Rescinded-HPML Compliant - Due Diligence Vendor-12/01/2025 | 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 - 15.21 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.6% 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 - 15.21 Years |  | CIC_COC CHANGE OF CIRCUMSTANCE (7).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855361 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-12 02:33 | 2025-11-14 09:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/14/2025 | 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 0.07<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.64% 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 21.67 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | 1008 - FINAL (99).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855361 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-12 03:19 | 2025-11-12 03:19 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client granted exception with compensating factors. Audited CLTV of 89.99% exceeds Guideline CLTV of 80% LTV exception to 89.99% LTV vs 80% max for rent free - Due Diligence Vendor-11/12/2025 |  | Waived-Client granted exception with compensating factors. Audited CLTV of 89.99% exceeds Guideline CLTV of 80% LTV exception to 89.99% LTV vs 80% max for rent free - Due Diligence Vendor-11/12/2025 | 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 0.07<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.64% 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 21.67 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months | DTI 5% below max |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 855362 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855364 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-18 06:40 | 2025-12-05 13:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents provided. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Counter-Missing Operating Agreement - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Entity documents provided. - Due Diligence Vendor-12/05/2025<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 0.09<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 21.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | LLC DOCUMENT OR ENTITY DOCUMENT (52).pdf<br> LLC DOCUMENT OR ENTITY DOCUMENT (53).pdf<br> LLC DOCUMENT OR ENTITY DOCUMENT (54).pdf<br> LLC DOCUMENT OR ENTITY DOCUMENT (55).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855364 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-18 05:01 | 2025-11-25 14:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client granted exception with compensating factors. Lender exception for rural property - Due Diligence Vendor-11/25/2025 <br> Rescinded-exception in file - Due Diligence Vendor-11/18/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Due Diligence Vendor-11/18/2025 |  | Waived-Client granted exception with compensating factors. Lender exception for rural property - Due Diligence Vendor-11/25/2025 <br> Rescinded-exception in file - Due Diligence Vendor-11/18/2025 | 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 0.09<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 21.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | FICO 20+ points<br> DTI 5% below max<br> PITIA reserves above min by 6 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 855364 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-18 05:20 | 2025-11-25 14:36 | 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-11/25/2025 <br> Ready for Review-Document Uploaded. - Seller-11/25/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower's VVOE Prior to Close is Missing from the file. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/25/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/25/2025<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 0.09<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 21.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | VOE_VOI B1 (5).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855365 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 16:42 | 2025-12-05 14:05 | 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-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Open-Borrower 1 Gap Credit Report is Missing. Section 6.2 requires not more than 10 days prior to closing. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/05/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.25 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 - 13.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 16.78 Are Greater Than The Guideline Minimum Of 6 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 - 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 |  | LQI CREDIT REPORT (32).pdf<br>LQI CREDIT REPORT (32).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855365 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 16:42 | 2025-12-05 14:05 | 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-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Open-Borrower 2 Gap Credit Report is Missing. Section 6.2 requires not more than 10 days prior to closing. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/05/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.25 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 - 13.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.78 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Months Reserves Of 16.78 Are Greater Than The Guideline Minimum Of 6 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 - 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 |  | LQI CREDIT REPORT (33).pdf<br>LQI CREDIT REPORT (33).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855366 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855367 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855368 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 02:48 | 2025-12-09 13:24 | Resolved | 1 - Information C A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-PCCD disbursement date is xxxxxx - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Other Property Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx The effective date of the other property insurance policy xxxxxx occurs after the note date xxxxxx and the disbursement date xxxxxx. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-PCCD disbursement date is xxxxxx - Due Diligence Vendor-12/09/2025 | 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 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 35.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 37.15% 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 - Validated Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | The effective date of the other property insurance policy xxxxxx occurs after the note date xxxxxx and the disbursement date xxxxxx. | CD - POST CLOSING (57).pdf | ATR Risk: Lender did not document all ATR UW Factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855368 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 02:13 | 2025-12-09 13:23 | 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-12/09/2025 <br> Ready for Review-Document Uploaded. P 7 L - Seller-12/08/2025 <br> Open-Income 1 Months Income Verified is Missing Verification of one month of income for Income Source 1 is missing. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. P 7 L - Seller-12/08/2025<br>| Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-12/09/2025<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 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 35.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 37.15% 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 - Validated Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Verification of one month of income for Income Source 1 is missing. | PNL - PROFIT AND LOSS (8).pdf | ATR Risk: Lender did not document all ATR UW Factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855368 | xxxxxx | D A | Closed | xxxxxx | 2025-12-05 03:17 | 2025-12-09 13:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing Year-to-date profit and loss statement for Borrower 1 is missing. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-12/09/2025<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 0.0<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 35.47 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 37.15% 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 - Validated Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Year-to-date profit and loss statement for Borrower 1 is missing. | PNL - PROFIT AND LOSS (8).pdf | ATR Risk: Lender did not document all ATR UW Factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855369 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855370 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855371 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855372 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855375 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855377 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855378 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855380 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855381 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855382 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855385 | xxxxxx | C A | Closed | xxxxxx | 2025-12-03 12:31 | 2025-12-05 12:09 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received all pages to Revised LE - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Borrower wet signed. Attaching what sent to be signed and signed paged that borrower sent back - Seller-12/04/2025 <br> Open-\*\*\*\*Lender to provide copy of all pages to the revised Loan Estimate issued xxxxxx and any applicable COCs. Document is needed to complete compliance testing. - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <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 $1,795.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Borrower wet signed. Attaching what sent to be signed and signed paged that borrower sent back - Seller-12/04/2025 | Resolved-\*\*Received all pages to Revised LE - Due Diligence Vendor-12/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.3% 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 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 782 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | LE - REDISCLOSED LOAN ESTIMATE (61).pdf<br>LE - REDISCLOSED LOAN ESTIMATE (62).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855385 | xxxxxx | C A | Closed | xxxxxx | 2025-12-03 12:31 | 2025-12-05 12:09 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received all pages to Revised LE - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Open-\*\*\*\*Lender to provide copy of all pages to the revised Loan Estimate issued xxxxxx and any applicable COCs. Document is needed to complete compliance testing. - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <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-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025 | Resolved-\*\*Received all pages to Revised LE - Due Diligence Vendor-12/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.3% 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 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 782 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | LE - REDISCLOSED LOAN ESTIMATE (62).pdf<br>LE - REDISCLOSED LOAN ESTIMATE (62).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855385 | xxxxxx | C A | Closed | xxxxxx | 2025-12-03 12:31 | 2025-12-05 12:09 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received all pages to Revised LE - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Open-\*\*\*\*Lender to provide copy of all pages to the revised Loan Estimate issued xxxxxx and any applicable COCs. Document is needed to complete compliance testing. - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <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-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-\*\*Received all pages to Revised LE - Due Diligence Vendor-12/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.83 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.3% 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 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 782 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | LE - REDISCLOSED LOAN ESTIMATE (62).pdf<br>LE - REDISCLOSED LOAN ESTIMATE (62).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855386 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855387 | xxxxxx | C A | Closed | xxxxxx | 2025-10-14 14:39 | 2025-10-17 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-10/17/2025 <br> Ready for Review-Document Uploaded. UDN end dATE xxxxxx - Seller-10/17/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. UDN end dATE xxxxxx - Seller-10/17/2025 | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/17/2025<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 - 40.73 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.73 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 |  | LQI CREDIT REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855388 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855391 | xxxxxx | C A | Closed | xxxxxx | 2025-12-08 01:30 | 2025-12-09 09:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event details provided. received, data entered, no additional compliance findings. - Due Diligence Vendor-12/09/2025 <br> Resolved- - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-\*\*\*\*\* The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of $369.50. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $369.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-COC event details provided. received, data entered, no additional compliance findings. - Due Diligence Vendor-12/09/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.33 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 - 20.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 32.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | CIC_COC CHANGE OF CIRCUMSTANCE (77).pdf<br>CIC_COC CHANGE OF CIRCUMSTANCE (78).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855391 | xxxxxx | C A | Closed | xxxxxx | 2025-12-08 01:30 | 2025-12-09 09:17 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event details provided. received, data entered, no additional compliance findings. - Due Diligence Vendor-12/09/2025 <br> Resolved- - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-\*\*\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of $369.50. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $369.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <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-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-COC event details provided. received, data entered, no additional compliance findings. - Due Diligence Vendor-12/09/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.33 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 - 20.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 32.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | CIC_COC CHANGE OF CIRCUMSTANCE (77).pdf<br>CIC_COC CHANGE OF CIRCUMSTANCE (77).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855391 | xxxxxx | C A | Closed | xxxxxx | 2025-12-08 01:30 | 2025-12-09 09:17 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event details provided. received, data entered, no additional compliance findings. - Due Diligence Vendor-12/09/2025 <br> Resolved- - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-\*\*\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of $369.50. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $369.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <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-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-COC event details provided. received, data entered, no additional compliance findings. - Due Diligence Vendor-12/09/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.33 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 - 20.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 32.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 724 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | CIC_COC CHANGE OF CIRCUMSTANCE (78).pdf<br>CIC_COC CHANGE OF CIRCUMSTANCE (77).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855392 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-02 20:42 | 2025-12-07 08:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client granted exception with compensating factors. Exception approval with compensating factors: Matrix min loan amount is $150K - seeking xxxxxx - Due Diligence Vendor-12/07/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 Provide possible exception documentation to support- Audited Loan amount of xxxxxx is less than the guideline minimum loan amount of $150,000. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Waived-Client granted exception with compensating factors. Exception approval with compensating factors: Matrix min loan amount is $150K - seeking xxxxxx - Due Diligence Vendor-12/07/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.26<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.2 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | PITIA reserves above min by 6 months | 12.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 855393 | xxxxxx | D A | Closed | xxxxxx | 2025-12-03 16:15 | 2025-12-07 08:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-CD and First Payment Letter (escrowed) provided - Due Diligence Vendor-12/07/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Open-Missing FCD for new loan xxxxxx refinance of xxxxxx showing paying off previous mortgage and with new PITI. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-CD and First Payment Letter (escrowed) provided - Due Diligence Vendor-12/07/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.27% 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 - 7.89 Years<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | CD - POST CLOSING (56).pdf<br>payment.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855397 | xxxxxx | C A | Closed | xxxxxx | 2025-11-24 06:24 | 2025-11-26 10:01 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Broker paid cure - Due Diligence Vendor-11/26/2025 <br> Resolved- - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Review final CD. Broker cured the recording fee - Seller-11/25/2025 <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. \*\*\*\*\* Finding in relation to \*\*\*\* The recording fee disclosed to the borrower in the Initial Loan Estimate $25. Final charges to borrower $56. 10% tolerance cure in the amount of $28.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. Review final CD. Broker cured the recording fee - Seller-11/25/2025 | Resolved-Broker paid cure - Due Diligence Vendor-11/26/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.38% 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 38.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Screenshot 2025-11-25 111927.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855397 | xxxxxx | C A | Closed | xxxxxx | 2025-11-24 06:24 | 2025-11-26 10:01 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Broker paid cure - Due Diligence Vendor-11/26/2025 <br> Resolved- - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. broker cured it on final CD - Seller-11/25/2025 <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. \*\*\*\*\* Finding in relation to \*\*\*\* The recording fee disclosed to the borrower in the Initial Loan Estimate $25. Final charges to borrower $56. 10% tolerance cure in the amount of $28.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. broker cured it on final CD - Seller-11/25/2025 | Resolved-Broker paid cure - Due Diligence Vendor-11/26/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.38% 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 38.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Screenshot 2025-11-25 111927.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855397 | xxxxxx | C A | Closed | xxxxxx | 2025-11-24 06:24 | 2025-11-26 10:01 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Broker paid cure - Due Diligence Vendor-11/26/2025 <br> Resolved- - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Broker cured ot - Seller-11/25/2025 <br> Open-\*\*\*\* The recording fee disclosed to the borrower in the Initial Loan Estimate $25. Final charges to borrower $56. 10% tolerance cure in the amount of $28.50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. Broker cured ot - Seller-11/25/2025 | Resolved-Broker paid cure - Due Diligence Vendor-11/26/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.38% 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 38.04 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Screenshot 2025-11-25 111927.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855398 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855399 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855401 | xxxxxx | D A | Closed | xxxxxx | 2025-11-12 15:58 | 2025-11-17 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved- - Due Diligence Vendor-11/17/2025 <br> Ready for Review-back copy - Seller-11/14/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Missing back side photo of Non Perm Res Card. - Due Diligence Vendor-11/12/2025 | Ready for Review-back copy - Seller-11/14/2025<br>|  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 675 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% 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 |  | EAD back copy.pdf<br>EAD back copy.pdf<br>EAD back copy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855402 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-12 11:55 | 2025-11-14 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-March 2025 bank statement provided. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. March statements - Seller-11/14/2025 <br> Open-Missing March 2025 bank statement. (another month was provided twice) - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. March statements - Seller-11/14/2025<br>| Resolved-March 2025 bank statement provided. - Due Diligence Vendor-11/14/2025<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 - 10.08 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 - 9.39 Years<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.42% 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 0.08 |  | April, 2025-5.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855402 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-12 11:59 | 2025-11-12 12:00 | Waived | 2 - Non-Material B | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Waived-Client granted exception with compensating factors. Asset 3 Does Not Meet Guideline Requirements Gifts funds allowed for Non-Permanent Resident Alien. - Due Diligence Vendor-11/12/2025 | Gift funds from spouse. - 11/12/2025 <br>| Waived-Client granted exception with compensating factors. Asset 3 Does Not Meet Guideline Requirements Gifts funds allowed for Non-Permanent Resident Alien. - Due Diligence Vendor-11/12/2025<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>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.39 Years<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>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.42% 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 0.08 | FICO 20+ points<br> DTI 5% below max<br> 5+ years business ownership |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 855403 | xxxxxx | C A | Closed | xxxxxx | 2025-12-06 20:29 | 2025-12-11 12:11 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-PCCD provided disbursement date of xxxxxx - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx The hazard insurance effective date of xxxxxx falls after the disbursement date of xxxxxx. According to the latest documentation, updated details were not provided for the previous hazard insurance policy. - Due Diligence Vendor-12/07/2025 | Ready for Review-Document Uploaded. - Seller-12/09/2025<br>| Resolved-PCCD provided disbursement date of xxxxxx - Due Diligence Vendor-12/11/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 38.2% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 804 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 - Validated 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 - Validated 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 - Validated Months Reserves Of 15.01 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 22.58 Years |  | CD - POST CLOSING (58).pdf<br>CD - POST CLOSING (58).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855404 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855405 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855406 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855423 | xxxxxx | D A | Closed | xxxxxx | 2025-12-16 10:36 | 2025-12-22 08:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Seller-12/19/2025 <br> Open-Borrower 1 Business Bank Statements Missing Missing 12 months bank statements for both xxxxxx and xxxxxx - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 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 - 11.49 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 - 11.48 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 - 11.49 Years |  | xxxxxx Bankstatements.pdf<br> xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855423 | xxxxxx | D A | Closed | xxxxxx | 2025-12-16 10:36 | 2025-12-22 08:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 2 Business Bank Statements Missing | Resolved-Borrower 2 Business Bank Statements Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Seller-12/19/2025 <br> Open-Borrower 2 Business Bank Statements Missing Missing 12 months bank statements for both xxxxxx and xxxxxx - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025<br>| Resolved-Borrower 2 Business Bank Statements Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 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 - 11.49 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 - 11.48 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 - 11.49 Years |  | xxxxxx Bankstatements.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855423 | xxxxxx | D A | Closed | xxxxxx | 2025-12-16 12:01 | 2025-12-18 12:52 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/17/2025 <br> Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 728 is Greater Than The Guideline Minimum Of 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 - 11.49 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 - 11.48 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 - 11.49 Years |  | 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855668 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855737 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855778 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856318 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-12 11:34 | 2026-01-12 11:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client granted exception with compensating factors. Client exception granted with compensating factors to allow subject property square footage of xxxxxx with a minimum of 750. - Due Diligence Vendor-01/12/2026 <br> Open-Subject property is ineligible per guidelines. Square footage of xxxxxx does not meet minimum 750. - Due Diligence Vendor-01/12/2026 |  | Waived-Client granted exception with compensating factors. Client exception granted with compensating factors to allow subject property square footage of xxxxxx with a minimum of 750. - Due Diligence Vendor-01/12/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 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 36.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.05% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More | - Reserves of 44+ months<br> - Housing history 0X30X12<br> - Credit report shows no derog account in past 2 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 856318 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-15 09:06 | 2025-12-19 13:56 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Per Lender Application date of xxxxxx. data entered, no additional compliance findings. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/19/2025 <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025<br>| Resolved-Per Lender Application date of xxxxxx. data entered, no additional compliance findings. - Due Diligence Vendor-12/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 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 36.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.05% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | INITIAL DISCLOSURE PACKAGE xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856318 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-15 09:08 | 2025-12-19 13:56 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Per Lender Application date of xxxxxx. data entered, no additional compliance findings. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/19/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025<br>| Resolved-Per Lender Application date of xxxxxx. data entered, no additional compliance findings. - Due Diligence Vendor-12/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 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 36.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.05% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | INITIAL DISCLOSURE PACKAGE xxxxxx.pdf<br> VERIFICATION OF RECEIPT OF CD xxxxxx.pdf<br> VERIFICATION OF RECEIPT OF CD.pdf<br> LOCK IN CONFIRMATION.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856318 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-15 09:09 | 2025-12-19 13:56 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Per Lender Application date of xxxxxx. data entered, no additional compliance findings. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/19/2025 <br> Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025<br>| Resolved-Per Lender Application date of xxxxxx. data entered, no additional compliance findings. - Due Diligence Vendor-12/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 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 36.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.05% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | INITIAL DISCLOSURE PACKAGE xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856318 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-15 09:06 | 2025-12-19 13:56 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Per Lender Application date of xxxxxx. data entered, no additional compliance findings. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/19/2025 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025<br>| Resolved-Per Lender Application date of xxxxxx. data entered, no additional compliance findings. - Due Diligence Vendor-12/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 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 36.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.05% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | INITIAL DISCLOSURE PACKAGE xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856318 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-15 07:43 | 2025-12-15 07:43 | Waived | 2 - Non-Material B | Credit | Eligibility | HOA questionaire does not meet guidelines | Waived-Client granted exception with compensating factors. HOA documentation provided does not meet guidelines. N 2: Exception to waive limited review questionnaire. The xxxxxx with respect to the dwelling,<br> however there is an attached xxxxxx linking these xxxxxx. - Due Diligence Vendor-12/15/2025 |  | Waived-Client granted exception with compensating factors. HOA documentation provided does not meet guidelines. N 2: Exception to waive limited review questionnaire. The xxxxxx with respect to the dwelling,<br> however there is an attached xxxxxx linking these xxxxxx. - Due Diligence Vendor-12/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 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 36.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.05% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More | - Reserves of 44+ months<br> - Housing history 0X30X12<br> - Credit report shows no derog account in past 2 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 856318 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-15 07:40 | 2025-12-15 07:40 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client granted exception with compensating factors. Income and Employment Do Not Meet Guidelines N 1: Exception to use business narrative completed by borrower for an industry that experience higher expense.<br> Guidelines require business narrative to be completed by either employee or by a third-party individual - Due Diligence Vendor-12/15/2025 |  | Waived-Client granted exception with compensating factors. Income and Employment Do Not Meet Guidelines N 1: Exception to use business narrative completed by borrower for an industry that experience higher expense.<br> Guidelines require business narrative to be completed by either employee or by a third-party individual - Due Diligence Vendor-12/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 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 36.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.05% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More | - Reserves of 44+ months<br> - Housing history 0X30X12<br> - Credit report shows no derog account in past 2 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 856322 | xxxxxx | B A | Closed | xxxxxx | 2025-12-17 15:46 | 2025-12-17 15:46 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Client granted exception with compensating factors. Guidelines do not accept joint personal account for income qualification. Exception approval is required for using 24-month joint personal <br> account for income qualification - Due Diligence Vendor-12/17/2025 |  | Waived-Client granted exception with compensating factors. Guidelines do not accept joint personal account for income qualification. Exception approval is required for using 24-month joint personal <br> account for income qualification - Due Diligence Vendor-12/17/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60.71% 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 791 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 0.2<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.48 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.05% Is Less Than The Guideline Maximum Of 43% 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 - 38.97 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 - 38.96 Years | Residual income of at least $9,472.58. <br> • Payment shock of 74.409%. <br> • Debt ratio of 23.362%. <br> • Reserves exceed minimum required by 26.47 months. <br> • Current LTV is less than 19.285% than max allowed. <br> • All consumer credit paid as agreed in the most recent 12 months. <br> • Borrower exceeds minimum credit score requirement by 131 points. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 856324 | xxxxxx | B A | Closed | xxxxxx | 2025-12-13 04:00 | 2025-12-13 04:00 | Waived | 2 - Non-Material B | Credit | Assets | PITI Reserves does not meet eligibility requirement(s) | Waived-Client granted exception with compensating factors. EXCEPTION FOR 3 MONTHS RESERVES INSTEAD OF 6 MONTHS RESERVE REQUIREMENT - Due Diligence Vendor-12/13/2025 |  | Waived-Client granted exception with compensating factors. EXCEPTION FOR 3 MONTHS RESERVES INSTEAD OF 6 MONTHS RESERVE REQUIREMENT - Due Diligence Vendor-12/13/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 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 32.11% 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 - 12.92 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 - 12.92 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 | DTI IS 32.110% 2. FICO SCORE IS 738 3. RESIDUAL INCOME $11,476.23 4. PAYMENT SHOCK 88.631% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856325 | xxxxxx | B A | Closed | xxxxxx | 2025-12-13 05:46 | 2025-12-15 13:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client granted exception with compensating factors. Guidelines require non-permanent resident alien on xxxxxx or 24-month full doc only. Exception approval is required to retain program at xxxxxx only - Due Diligence Vendor-12/13/2025 |  | Waived-Client granted exception with compensating factors. Guidelines require non-permanent resident alien on xxxxxx or 24-month full doc only. Exception approval is required to retain program at xxxxxx only - Due Diligence Vendor-12/13/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.13% 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 - 5.61 Years | • Residual income of $3,038.71. <br> • Debt ratio of 36.130%. <br> • Reserves exceed minimum required by 12.66 months. <br> • All consumer credit paid as agreed in the most recent 12 months. <br> • Borrower exceeds minimum credit score requirement by 49 points. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856326 | xxxxxx | D A | Closed | xxxxxx | 2025-12-13 08:34 | 2025-12-16 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Open-Missing Flood Certificate . Provide flood cert for subject property located at xxxxxx. - Due Diligence Vendor-12/13/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/16/2025 | 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 - 33.00 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 - 33.11 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 0.08<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | FLOOD CERT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856327 | xxxxxx | B A | Closed | xxxxxx | 2025-12-15 07:14 | 2025-12-19 12:52 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Open-1008/Underwriting Summary Not Provided . Provide completed 1008 showing subject figures utilized to approve. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/18/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.86 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Borrower 1 Has Stable Job Time 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 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 32.6% 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 0.2 |  | 1003 - xxxxxx.pdf<br> 1008 - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856328 | xxxxxx | B A | Closed | xxxxxx | 2025-12-17 14:21 | 2025-12-18 08:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client granted exception with compensating factors. Audited CLTV of 85% exceeds Guideline CLTV of 80%. exception approval page 485 - Due Diligence Vendor-12/17/2025 |  | Waived-Client granted exception with compensating factors. Audited CLTV of 85% exceeds Guideline CLTV of 80%. exception approval page 485 - Due Diligence Vendor-12/17/2025 | 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 711 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 19.55 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.04% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | LOW CONSUMER DEBT, GOOD PAYMENT HISTORY, LOW DTI, CUSTOMER HAS THREE REOS THAT ARE PAID FREE <br> AND CLEAR. APPRAISAL VALUE IS MUCH HIGHER THAN PURCHASE PRICE . PURCHASING PRIMARY HOME |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856328 | xxxxxx | B A | Closed | xxxxxx | 2025-12-17 14:21 | 2025-12-18 08:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Open-Audited HCLTV of 85% exceeds Guideline HCLTV of 80% - Due Diligence Vendor-12/17/2025 |  |  | 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 711 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 19.55 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.04% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | LOW CONSUMER DEBT, GOOD PAYMENT HISTORY, LOW DTI, CUSTOMER HAS THREE REOS THAT ARE PAID FREE <br> AND CLEAR. APPRAISAL VALUE IS MUCH HIGHER THAN PURCHASE PRICE |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856328 | xxxxxx | B A | Closed | xxxxxx | 2025-12-17 14:25 | 2025-12-17 14:25 | Waived | 2 - Non-Material B | Credit | Borrower | Potential Identity Issues identified in the file | Waived-Client granted exception with compensating factors. EXCEPTION TO PROCEED WTIHOUT UNEXPIRED PASSPORT - Due Diligence Vendor-12/17/2025 |  | Waived-Client granted exception with compensating factors. EXCEPTION TO PROCEED WTIHOUT UNEXPIRED PASSPORT - Due Diligence Vendor-12/17/2025 | 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 711 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 19.55 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.04% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | LOW CONSUMER DEBT, GOOD PAYMENT HISTORY, LOW DTI, CUSTOMER HAS THREE REOS THAT ARE PAID FREE <br> AND CLEAR. APPRAISAL VALUE IS MUCH HIGHER THAN PURCHASE PRICE |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856328 | xxxxxx | B A | Closed | xxxxxx | 2025-12-17 14:21 | 2025-12-17 14:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Open-Audited LTV of 85% exceeds Guideline LTV of 80% REQUESTING TO ALLOW 85% LTV AS IT EXCEEDS THE MAX OF 80% BASED ON 711 FICO SCORE - Due Diligence Vendor-12/17/2025 |  |  | 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 711 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 19.55 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.04% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | LOW CONSUMER DEBT, GOOD PAYMENT HISTORY, LOW DTI, CUSTOMER HAS THREE REOS THAT ARE PAID FREE <br> AND CLEAR. APPRAISAL VALUE IS MUCH HIGHER THAN PURCHASE PRICE |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856330 | xxxxxx | B A | Closed | xxxxxx | 2025-12-15 08:21 | 2025-12-16 07:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client granted exception with compensating factors. EXCEPTION REQUEST TO WAIVE THE REQUIREMENT OF ALTERNATIVE DOCUMENTATION (SUCH AS CANCELED CHECKS/BANK STATEMENTS) AND USE ONLY VOM FOR TWO PRIVATE LENDERS. MORTGAGES ARE ASSOCIATED WITH SUBJECT PROPERTY - Due Diligence Vendor-12/15/2025 |  | Waived-Client granted exception with compensating factors. EXCEPTION REQUEST TO WAIVE THE REQUIREMENT OF ALTERNATIVE DOCUMENTATION (SUCH AS CANCELED CHECKS/BANK STATEMENTS) AND USE ONLY VOM FOR TWO PRIVATE LENDERS. MORTGAGES ARE ASSOCIATED WITH SUBJECT PROPERTY - Due Diligence Vendor-12/15/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 45.25% 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 743 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 20.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.22% 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 - 11.18 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.18 Years | LTV less than 50%<br> FICO 743<br> Reserves of 20 + months<br> DTI less than 30% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 856331 | xxxxxx | B A | Closed | xxxxxx | 2025-12-18 13:53 | 2025-12-18 13:53 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Client granted exception with compensating factors. Income and Employment Do Not Meet Guidelines EXCEPTION TO WAIVE TAX TRANSCRIPTS AND TAX RETURNS. ONLY AWARD LETTERS FOR RETIREMENT & PENSION INCOME ARE BEING USED. - Due Diligence Vendor-12/18/2025 |  | Waived-Client granted exception with compensating factors. Income and Employment Do Not Meet Guidelines EXCEPTION TO WAIVE TAX TRANSCRIPTS AND TAX RETURNS. ONLY AWARD LETTERS FOR RETIREMENT & PENSION INCOME ARE BEING USED. - Due Diligence Vendor-12/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 684 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.25 Years | 1) 0X30X12 MORTGAGE PAYMENT HISTORY; 2) ALL ACCOUNTS ARE BEING PAID OFF WITH THE REFINANCE PROCEEDS |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxxxxx |
| 856684 | xxxxxx | B A | Closed | xxxxxx | 2025-12-18 23:30 | 2025-12-24 07:26 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. See attached 1008 - Due Diligence Vendor-12/24/2025 <br> Open-1008/Underwriting Summary Not Provided 1008 Document is missing in the file. - Due Diligence Vendor-12/19/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/24/2025 | 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>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 Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | 856684_xxxxxx_1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |

---

## Exhibit 99.12

**EXHIBIT 99.12**

**Canopy RATING AGENCY GRADES SUMMARY REPORT**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 818469 | xxxxxx |  | xxxxxx B A |
| 841768 | xxxxxx |  | xxxxxx D A B |
| 843141 | xxxxxx |  | xxxxxx A |
| 844421 | xxxxxx |  | xxxxxx A |
| 844876 | xxxxxx |  | xxxxxx A |
| 845759 | xxxxxx |  | xxxxxx A |
| 845766 | xxxxxx |  | xxxxxx A |
| 845831 | xxxxxx |  | xxxxxx A |
| 845846 | xxxxxx |  | xxxxxx C A B |
| 846333 | xxxxxx |  | xxxxxx A |
| 846444 | xxxxxx |  | xxxxxx D A |
| 846483 | xxxxxx |  | xxxxxx A |
| 846507 | xxxxxx |  | xxxxxx A |
| 846567 | xxxxxx |  | xxxxxx A |
| 846708 | xxxxxx |  | xxxxxx A |
| 846939 | xxxxxx |  | xxxxxx D A |
| 847095 | xxxxxx |  | xxxxxx D A B |
| 847190 | xxxxxx |  | xxxxxx A |
| 847535 | xxxxxx |  | xxxxxx D A |
| 847600 | xxxxxx |  | xxxxxx B A |
| 847711 | xxxxxx |  | xxxxxx D A B |
| 847781 | xxxxxx |  | xxxxxx A |
| 847946 | xxxxxx |  | xxxxxx A |
| 847952 | xxxxxx |  | xxxxxx A |
| 848012 | xxxxxx |  | xxxxxx C D A B |
| 848178 | xxxxxx |  | xxxxxx A |
| 848220 | xxxxxx |  | xxxxxx D A |
| 848321 | xxxxxx |  | xxxxxx C D A B |
| 848456 | xxxxxx |  | xxxxxx D C A B |
| 848522 | xxxxxx |  | xxxxxx A |
| 848527 | xxxxxx |  | xxxxxx A |
| 848543 | xxxxxx |  | xxxxxx A |
| 848555 | xxxxxx |  | xxxxxx A |
| 848635 | xxxxxx |  | xxxxxx D C A B |
| 848683 | xxxxxx |  | xxxxxx A D |
| 848702 | xxxxxx |  | xxxxxx A |
| 848760 | xxxxxx |  | xxxxxx D A |
| 848774 | xxxxxx |  | xxxxxx A |
| 848795 | xxxxxx |  | xxxxxx A D |
| 848802 | xxxxxx |  | xxxxxx A |
| 848803 | xxxxxx |  | xxxxxx A |
| 848924 | xxxxxx |  | xxxxxx C A |
| 848928 | xxxxxx |  | xxxxxx A |
| 848944 | xxxxxx |  | xxxxxx A |
| 848975 | xxxxxx |  | xxxxxx A |
| 849037 | xxxxxx |  | xxxxxx A |
| 849038 | xxxxxx |  | xxxxxx A |
| 849120 | xxxxxx |  | xxxxxx A |
| 849126 | xxxxxx |  | xxxxxx A |
| 849135 | xxxxxx |  | xxxxxx A D |
| 849136 | xxxxxx |  | xxxxxx A D |
| 849266 | xxxxxx |  | xxxxxx D C A |
| 849272 | xxxxxx |  | xxxxxx A |
| 849385 | xxxxxx |  | xxxxxx A |
| 849392 | xxxxxx |  | xxxxxx A |
| 849404 | xxxxxx |  | xxxxxx B A |
| 849408 | xxxxxx |  | xxxxxx A |
| 849506 | xxxxxx |  | xxxxxx A |
| 849522 | xxxxxx |  | xxxxxx A |
| 849536 | xxxxxx |  | xxxxxx A |
| 849546 | xxxxxx |  | xxxxxx A |
| 849584 | xxxxxx |  | xxxxxx A |
| 849596 | xxxxxx |  | xxxxxx B A |
| 849623 | xxxxxx |  | xxxxxx B A |
| 849628 | xxxxxx |  | xxxxxx A |
| 849639 | xxxxxx |  | xxxxxx A C |
| 849645 | xxxxxx |  | xxxxxx A |
| 849697 | xxxxxx |  | xxxxxx A |
| 849709 | xxxxxx |  | xxxxxx A |
| 849710 | xxxxxx |  | xxxxxx A |
| 849815 | xxxxxx |  | xxxxxx D A |
| 849823 | xxxxxx |  | xxxxxx A |
| 849844 | xxxxxx |  | xxxxxx A D |
| 849846 | xxxxxx |  | xxxxxx A |
| 849918 | xxxxxx |  | xxxxxx B A |
| 849930 | xxxxxx |  | xxxxxx B A |
| 849940 | xxxxxx |  | xxxxxx A |
| 849943 | xxxxxx |  | xxxxxx A |
| 849947 | xxxxxx |  | xxxxxx D A |
| 849985 | xxxxxx |  | xxxxxx C A B |
| 850021 | xxxxxx |  | xxxxxx B A |
| 850061 | xxxxxx |  | xxxxxx C A |
| 850091 | xxxxxx |  | xxxxxx A |
| 850094 | xxxxxx |  | xxxxxx A |
| 850136 | xxxxxx |  | xxxxxx D A |
| 850140 | xxxxxx |  | xxxxxx D C A B |
| 850142 | xxxxxx |  | xxxxxx D A B |
| 850146 | xxxxxx |  | xxxxxx A |
| 850149 | xxxxxx |  | xxxxxx B A |
| 850150 | xxxxxx |  | xxxxxx B A |
| 850203 | xxxxxx |  | xxxxxx B A |
| 850227 | xxxxxx |  | xxxxxx A NA C |
| 850243 | xxxxxx |  | xxxxxx A |
| 850245 | xxxxxx |  | xxxxxx B A |
| 850251 | xxxxxx |  | xxxxxx A |
| 850263 | xxxxxx |  | xxxxxx A |
| 850342 | xxxxxx |  | xxxxxx D A |
| 850344 | xxxxxx |  | xxxxxx A |
| 850351 | xxxxxx |  | xxxxxx D A |
| 850356 | xxxxxx |  | xxxxxx A |
| 850365 | xxxxxx |  | xxxxxx D A |
| 850377 | xxxxxx |  | xxxxxx C A B |
| 850378 | xxxxxx |  | xxxxxx A |
| 850379 | xxxxxx |  | xxxxxx D A |
| 850393 | xxxxxx |  | xxxxxx A |
| 850397 | xxxxxx |  | xxxxxx A |
| 850400 | xxxxxx |  | xxxxxx A |
| 850404 | xxxxxx |  | xxxxxx A |
| 850409 | xxxxxx |  | xxxxxx B A |
| 850411 | xxxxxx |  | xxxxxx B A |
| 850413 | xxxxxx |  | xxxxxx D A B |
| 850415 | xxxxxx |  | xxxxxx A |
| 850435 | xxxxxx |  | xxxxxx D A |
| 850441 | xxxxxx |  | xxxxxx A |
| 850463 | xxxxxx |  | xxxxxx A |
| 850505 | xxxxxx |  | xxxxxx A |
| 850508 | xxxxxx |  | xxxxxx C A |
| 850539 | xxxxxx |  | xxxxxx B A |
| 850543 | xxxxxx |  | xxxxxx A |
| 850557 | xxxxxx |  | xxxxxx D NA |
| 850654 | xxxxxx |  | xxxxxx A |
| 850658 | xxxxxx |  | xxxxxx A |
| 850667 | xxxxxx |  | xxxxxx B A |
| 850699 | xxxxxx |  | xxxxxx A |
| 850722 | xxxxxx |  | xxxxxx A |
| 850731 | xxxxxx |  | xxxxxx A |
| 850733 | xxxxxx |  | xxxxxx A D |
| 850734 | xxxxxx |  | xxxxxx D A |
| 850744 | xxxxxx |  | xxxxxx D A |
| 850750 | xxxxxx |  | xxxxxx A |
| 850761 | xxxxxx |  | xxxxxx D A |
| 850765 | xxxxxx |  | xxxxxx A |
| 850802 | xxxxxx |  | xxxxxx A |
| 850821 | xxxxxx |  | xxxxxx D A |
| 850825 | xxxxxx |  | xxxxxx A C |
| 850831 | xxxxxx |  | xxxxxx A |
| 850841 | xxxxxx |  | xxxxxx A C |
| 850880 | xxxxxx |  | xxxxxx C A B |
| 850893 | xxxxxx |  | xxxxxx A |
| 850911 | xxxxxx |  | xxxxxx A |
| 850918 | xxxxxx |  | xxxxxx A |
| 850920 | xxxxxx |  | xxxxxx D A |
| 850924 | xxxxxx |  | xxxxxx A NA |
| 850926 | xxxxxx |  | xxxxxx A |
| 850948 | xxxxxx |  | xxxxxx A |
| 850950 | xxxxxx |  | xxxxxx A D |
| 850954 | xxxxxx |  | xxxxxx D C A |
| 850983 | xxxxxx |  | xxxxxx A |
| 850999 | xxxxxx |  | xxxxxx A |
| 851017 | xxxxxx |  | xxxxxx D A |
| 851018 | xxxxxx |  | xxxxxx A |
| 851025 | xxxxxx |  | xxxxxx A NA C |
| 851067 | xxxxxx |  | xxxxxx C A |
| 851093 | xxxxxx |  | xxxxxx D A B |
| 851095 | xxxxxx |  | xxxxxx A |
| 851297 | xxxxxx |  | xxxxxx A |
| 851303 | xxxxxx |  | xxxxxx A C B |
| 851321 | xxxxxx |  | xxxxxx A |
| 851322 | xxxxxx |  | xxxxxx D A |
| 851331 | xxxxxx |  | xxxxxx B D A |
| 851413 | xxxxxx |  | xxxxxx D A |
| 851417 | xxxxxx |  | xxxxxx A |
| 851433 | xxxxxx |  | xxxxxx A |
| 851460 | xxxxxx |  | xxxxxx B A |
| 851466 | xxxxxx |  | xxxxxx A D |
| 851507 | xxxxxx |  | xxxxxx D A C B |
| 851522 | xxxxxx |  | xxxxxx A |
| 851525 | xxxxxx |  | xxxxxx A |
| 851530 | xxxxxx |  | xxxxxx A |
| 851538 | xxxxxx |  | xxxxxx A |
| 851556 | xxxxxx |  | xxxxxx D A B |
| 851557 | xxxxxx |  | xxxxxx B A |
| 851562 | xxxxxx |  | xxxxxx C A |
| 851619 | xxxxxx |  | xxxxxx D C B A |
| 851621 | xxxxxx |  | xxxxxx B A |
| 851644 | xxxxxx |  | xxxxxx C A B |
| 851659 | xxxxxx |  | xxxxxx A |
| 851670 | xxxxxx |  | xxxxxx D A |
| 851680 | xxxxxx |  | xxxxxx D A B |
| 851689 | xxxxxx |  | xxxxxx A D |
| 851690 | xxxxxx |  | xxxxxx A |
| 851737 | xxxxxx |  | xxxxxx A |
| 851740 | xxxxxx |  | xxxxxx A |
| 851743 | xxxxxx |  | xxxxxx A |
| 851763 | xxxxxx |  | xxxxxx A |
| 851769 | xxxxxx |  | xxxxxx D A |
| 851770 | xxxxxx |  | xxxxxx A |
| 851774 | xxxxxx |  | xxxxxx A |
| 851783 | xxxxxx |  | xxxxxx D A |
| 851791 | xxxxxx |  | xxxxxx A |
| 851812 | xxxxxx |  | xxxxxx D A |
| 851817 | xxxxxx |  | xxxxxx A |
| 851819 | xxxxxx |  | xxxxxx A D |
| 851835 | xxxxxx |  | xxxxxx A |
| 851893 | xxxxxx |  | xxxxxx A |
| 851909 | xxxxxx |  | xxxxxx D C A |
| 851926 | xxxxxx |  | xxxxxx A |
| 851948 | xxxxxx |  | xxxxxx A |
| 851980 | xxxxxx |  | xxxxxx A D |
| 852033 | xxxxxx |  | xxxxxx A |
| 852042 | xxxxxx |  | xxxxxx C D A |
| 852043 | xxxxxx |  | xxxxxx D C A |
| 852046 | xxxxxx |  | xxxxxx A C |
| 852047 | xxxxxx |  | xxxxxx D A B |
| 852050 | xxxxxx |  | xxxxxx A |
| 852051 | xxxxxx |  | xxxxxx D A C |
| 852052 | xxxxxx |  | xxxxxx A |
| 852053 | xxxxxx |  | xxxxxx D A |
| 852054 | xxxxxx |  | xxxxxx C A D B |
| 852055 | xxxxxx |  | xxxxxx A C |
| 852056 | xxxxxx |  | xxxxxx D A B |
| 852057 | xxxxxx |  | xxxxxx C A B |
| 852058 | xxxxxx |  | xxxxxx D C A B |
| 852095 | xxxxxx |  | xxxxxx A |
| 852111 | xxxxxx |  | xxxxxx A |
| 852113 | xxxxxx |  | xxxxxx A |
| 852123 | xxxxxx |  | xxxxxx A |
| 852145 | xxxxxx |  | xxxxxx A NA |
| 852150 | xxxxxx |  | xxxxxx D A |
| 852181 | xxxxxx |  | xxxxxx A C |
| 852207 | xxxxxx |  | xxxxxx A |
| 852217 | xxxxxx |  | xxxxxx D A |
| 852239 | xxxxxx |  | xxxxxx D NA |
| 852254 | xxxxxx |  | xxxxxx C A |
| 852257 | xxxxxx |  | xxxxxx A |
| 852269 | xxxxxx |  | xxxxxx A |
| 852271 | xxxxxx |  | xxxxxx A |
| 852272 | xxxxxx |  | xxxxxx A |
| 852278 | xxxxxx |  | xxxxxx D A |
| 852304 | xxxxxx |  | xxxxxx A |
| 852322 | xxxxxx |  | xxxxxx A C B |
| 852323 | xxxxxx |  | xxxxxx A C |
| 852325 | xxxxxx |  | xxxxxx A D |
| 852344 | xxxxxx |  | xxxxxx D A |
| 852348 | xxxxxx |  | xxxxxx D C A |
| 852350 | xxxxxx |  | xxxxxx A |
| 852357 | xxxxxx |  | xxxxxx A NA |
| 852368 | xxxxxx |  | xxxxxx A |
| 852425 | xxxxxx |  | xxxxxx D A |
| 852427 | xxxxxx |  | xxxxxx D A |
| 852435 | xxxxxx |  | xxxxxx A |
| 852445 | xxxxxx |  | xxxxxx A |
| 852451 | xxxxxx |  | xxxxxx A |
| 852485 | xxxxxx |  | xxxxxx A D |
| 852497 | xxxxxx |  | xxxxxx A |
| 852510 | xxxxxx |  | xxxxxx A |
| 852517 | xxxxxx |  | xxxxxx D A |
| 852518 | xxxxxx |  | xxxxxx A |
| 852558 | xxxxxx |  | xxxxxx A NA |
| 852562 | xxxxxx |  | xxxxxx A |
| 852589 | xxxxxx |  | xxxxxx D C A |
| 852592 | xxxxxx |  | xxxxxx B A |
| 852593 | xxxxxx |  | xxxxxx A NA |
| 852609 | xxxxxx |  | xxxxxx D A |
| 852610 | xxxxxx |  | xxxxxx D A |
| 852619 | xxxxxx |  | xxxxxx D A |
| 852629 | xxxxxx |  | xxxxxx D A |
| 852636 | xxxxxx |  | xxxxxx C A B |
| 852645 | xxxxxx |  | xxxxxx D A |
| 852646 | xxxxxx |  | xxxxxx B A |
| 852650 | xxxxxx |  | xxxxxx A |
| 852655 | xxxxxx |  | xxxxxx A |
| 852658 | xxxxxx |  | xxxxxx D A B |
| 852659 | xxxxxx |  | xxxxxx B A |
| 852660 | xxxxxx |  | xxxxxx B A |
| 852665 | xxxxxx |  | xxxxxx D A |
| 852668 | xxxxxx |  | xxxxxx D A |
| 852670 | xxxxxx |  | xxxxxx A NA C |
| 852681 | xxxxxx |  | xxxxxx A |
| 852694 | xxxxxx |  | xxxxxx B A D |
| 852696 | xxxxxx |  | xxxxxx C A |
| 852749 | xxxxxx |  | xxxxxx A |
| 852757 | xxxxxx |  | xxxxxx A |
| 852768 | xxxxxx |  | xxxxxx A |
| 852770 | xxxxxx |  | xxxxxx A D |
| 852789 | xxxxxx |  | xxxxxx D A |
| 852805 | xxxxxx |  | xxxxxx A |
| 852827 | xxxxxx |  | xxxxxx D A |
| 852891 | xxxxxx |  | xxxxxx D A |
| 852898 | xxxxxx |  | xxxxxx C A B |
| 852908 | xxxxxx |  | xxxxxx A |
| 852916 | xxxxxx |  | xxxxxx A NA C |
| 852942 | xxxxxx |  | xxxxxx A |
| 852946 | xxxxxx |  | xxxxxx A |
| 852962 | xxxxxx |  | xxxxxx D A |
| 853014 | xxxxxx |  | xxxxxx C A |
| 853052 | xxxxxx |  | xxxxxx D A |
| 853063 | xxxxxx |  | xxxxxx D A |
| 853092 | xxxxxx |  | xxxxxx A |
| 853099 | xxxxxx |  | xxxxxx D A |
| 853138 | xxxxxx |  | xxxxxx D A |
| 853140 | xxxxxx |  | xxxxxx D A B |
| 853144 | xxxxxx |  | xxxxxx A D |
| 853206 | xxxxxx |  | xxxxxx A |
| 853216 | xxxxxx |  | xxxxxx A |
| 853219 | xxxxxx |  | xxxxxx D A |
| 853228 | xxxxxx |  | xxxxxx D A |
| 853268 | xxxxxx |  | xxxxxx A |
| 853280 | xxxxxx |  | xxxxxx A |
| 853284 | xxxxxx |  | xxxxxx D A B |
| 853293 | xxxxxx |  | xxxxxx D NA |
| 853294 | xxxxxx |  | xxxxxx A |
| 853302 | xxxxxx |  | xxxxxx A |
| 853314 | xxxxxx |  | xxxxxx A |
| 853319 | xxxxxx |  | xxxxxx D A |
| 853321 | xxxxxx |  | xxxxxx A |
| 853325 | xxxxxx |  | xxxxxx D A |
| 853334 | xxxxxx |  | xxxxxx A NA |
| 853342 | xxxxxx |  | xxxxxx D A |
| 853345 | xxxxxx |  | xxxxxx D C A |
| 853348 | xxxxxx |  | xxxxxx A |
| 853392 | xxxxxx |  | xxxxxx B A |
| 853394 | xxxxxx |  | xxxxxx A D |
| 853409 | xxxxxx |  | xxxxxx A |
| 853443 | xxxxxx |  | xxxxxx D A |
| 853462 | xxxxxx |  | xxxxxx D A |
| 853478 | xxxxxx |  | xxxxxx A |
| 853483 | xxxxxx |  | xxxxxx B A |
| 853486 | xxxxxx |  | xxxxxx D A |
| 853493 | xxxxxx |  | xxxxxx D NA |
| 853499 | xxxxxx |  | xxxxxx A |
| 853501 | xxxxxx |  | xxxxxx A |
| 853510 | xxxxxx |  | xxxxxx A |
| 853528 | xxxxxx |  | xxxxxx A |
| 853535 | xxxxxx |  | xxxxxx A |
| 853536 | xxxxxx |  | xxxxxx A |
| 853561 | xxxxxx |  | xxxxxx A C |
| 853562 | xxxxxx |  | xxxxxx A |
| 853567 | xxxxxx |  | xxxxxx A |
| 853573 | xxxxxx |  | xxxxxx A |
| 853582 | xxxxxx |  | xxxxxx C D A |
| 853644 | xxxxxx |  | xxxxxx A C |
| 853650 | xxxxxx |  | xxxxxx D A |
| 853662 | xxxxxx |  | xxxxxx A |
| 853664 | xxxxxx |  | xxxxxx A C |
| 853667 | xxxxxx |  | xxxxxx D A |
| 853672 | xxxxxx |  | xxxxxx A |
| 853762 | xxxxxx |  | xxxxxx D NA |
| 853771 | xxxxxx |  | xxxxxx D NA |
| 853775 | xxxxxx |  | xxxxxx D A |
| 853786 | xxxxxx |  | xxxxxx B A |
| 853840 | xxxxxx |  | xxxxxx A |
| 853852 | xxxxxx |  | xxxxxx A |
| 853880 | xxxxxx |  | xxxxxx D A |
| 853893 | xxxxxx |  | xxxxxx A |
| 853898 | xxxxxx |  | xxxxxx A |
| 853907 | xxxxxx |  | xxxxxx A |
| 853911 | xxxxxx |  | xxxxxx A |
| 853912 | xxxxxx |  | xxxxxx A |
| 853940 | xxxxxx |  | xxxxxx A |
| 853941 | xxxxxx |  | xxxxxx A D |
| 853942 | xxxxxx |  | xxxxxx B A |
| 853943 | xxxxxx |  | xxxxxx A C |
| 853944 | xxxxxx |  | xxxxxx B A |
| 853945 | xxxxxx |  | xxxxxx C A B |
| 853946 | xxxxxx |  | xxxxxx B A |
| 853952 | xxxxxx |  | xxxxxx A NA |
| 853962 | xxxxxx |  | xxxxxx D A |
| 853977 | xxxxxx |  | xxxxxx A |
| 853978 | xxxxxx |  | xxxxxx D NA |
| 853984 | xxxxxx |  | xxxxxx A |
| 853987 | xxxxxx |  | xxxxxx A D |
| 853990 | xxxxxx |  | xxxxxx A |
| 853991 | xxxxxx |  | xxxxxx C A |
| 853993 | xxxxxx |  | xxxxxx A NA |
| 854004 | xxxxxx |  | xxxxxx A |
| 854011 | xxxxxx |  | xxxxxx C A |
| 854012 | xxxxxx |  | xxxxxx C A |
| 854015 | xxxxxx |  | xxxxxx A |
| 854117 | xxxxxx |  | xxxxxx C NA |
| 854120 | xxxxxx |  | xxxxxx A D |
| 854122 | xxxxxx |  | xxxxxx D A B |
| 854139 | xxxxxx |  | xxxxxx A |
| 854158 | xxxxxx |  | xxxxxx A C |
| 854171 | xxxxxx |  | xxxxxx A |
| 854194 | xxxxxx |  | xxxxxx D A |
| 854219 | xxxxxx |  | xxxxxx A C |
| 854220 | xxxxxx |  | xxxxxx D A |
| 854253 | xxxxxx |  | xxxxxx D A |
| 854266 | xxxxxx |  | xxxxxx A |
| 854269 | xxxxxx |  | xxxxxx A |
| 854271 | xxxxxx |  | xxxxxx D A |
| 854272 | xxxxxx |  | xxxxxx A |
| 854281 | xxxxxx |  | xxxxxx C D A B |
| 854297 | xxxxxx |  | xxxxxx A |
| 854310 | xxxxxx |  | xxxxxx A NA D |
| 854335 | xxxxxx |  | xxxxxx D A |
| 854351 | xxxxxx |  | xxxxxx A NA |
| 854576 | xxxxxx |  | xxxxxx A |
| 854581 | xxxxxx |  | xxxxxx D A |
| 854601 | xxxxxx |  | xxxxxx A C |
| 854626 | xxxxxx |  | xxxxxx A |
| 854628 | xxxxxx |  | xxxxxx A D |
| 854658 | xxxxxx |  | xxxxxx A |
| 854664 | xxxxxx |  | xxxxxx A |
| 854667 | xxxxxx |  | xxxxxx A |
| 854675 | xxxxxx |  | xxxxxx D A |
| 854733 | xxxxxx |  | xxxxxx A C |
| 854751 | xxxxxx |  | xxxxxx A |
| 854786 | xxxxxx |  | xxxxxx A |
| 854817 | xxxxxx |  | xxxxxx A C |
| 854819 | xxxxxx |  | xxxxxx A C |
| 854820 | xxxxxx |  | xxxxxx A |
| 854837 | xxxxxx |  | xxxxxx D A |
| 854838 | xxxxxx |  | xxxxxx A C |
| 854839 | xxxxxx |  | xxxxxx C A |
| 854840 | xxxxxx |  | xxxxxx A |
| 854842 | xxxxxx |  | xxxxxx D A |
| 854904 | xxxxxx |  | xxxxxx A NA |
| 854954 | xxxxxx |  | xxxxxx A |
| 854966 | xxxxxx |  | xxxxxx C A B |
| 854981 | xxxxxx |  | xxxxxx A |
| 855021 | xxxxxx |  | xxxxxx A |
| 855022 | xxxxxx |  | xxxxxx A |
| 855083 | xxxxxx |  | xxxxxx A NA |
| 855104 | xxxxxx |  | xxxxxx A C |
| 855110 | xxxxxx |  | xxxxxx A |
| 855145 | xxxxxx |  | xxxxxx A NA D |
| 855193 | xxxxxx |  | xxxxxx D A |
| 855294 | xxxxxx |  | xxxxxx A NA |
| 855328 | xxxxxx |  | xxxxxx A |
| 855330 | xxxxxx |  | xxxxxx A |
| 855332 | xxxxxx |  | xxxxxx A |
| 855344 | xxxxxx |  | xxxxxx A |
| 855346 | xxxxxx |  | xxxxxx D A |
| 855349 | xxxxxx |  | xxxxxx A |
| 855350 | xxxxxx |  | xxxxxx A |
| 855351 | xxxxxx |  | xxxxxx A |
| 855355 | xxxxxx |  | xxxxxx A |
| 855357 | xxxxxx |  | xxxxxx A |
| 855358 | xxxxxx |  | xxxxxx A |
| 855360 | xxxxxx |  | xxxxxx C A |
| 855361 | xxxxxx |  | xxxxxx D A B |
| 855362 | xxxxxx |  | xxxxxx A |
| 855364 | xxxxxx |  | xxxxxx D A B |
| 855365 | xxxxxx |  | xxxxxx D A |
| 855366 | xxxxxx |  | xxxxxx A |
| 855367 | xxxxxx |  | xxxxxx A |
| 855368 | xxxxxx |  | xxxxxx D A |
| 855369 | xxxxxx |  | xxxxxx A |
| 855370 | xxxxxx |  | xxxxxx A |
| 855371 | xxxxxx |  | xxxxxx A |
| 855372 | xxxxxx |  | xxxxxx A |
| 855375 | xxxxxx |  | xxxxxx A |
| 855377 | xxxxxx |  | xxxxxx A |
| 855378 | xxxxxx |  | xxxxxx A |
| 855380 | xxxxxx |  | xxxxxx A |
| 855381 | xxxxxx |  | xxxxxx A |
| 855382 | xxxxxx |  | xxxxxx A |
| 855385 | xxxxxx |  | xxxxxx A C |
| 855386 | xxxxxx |  | xxxxxx A |
| 855387 | xxxxxx |  | xxxxxx C A |
| 855388 | xxxxxx |  | xxxxxx A |
| 855391 | xxxxxx |  | xxxxxx A C |
| 855392 | xxxxxx |  | xxxxxx C A B |
| 855393 | xxxxxx |  | xxxxxx D A |
| 855397 | xxxxxx |  | xxxxxx A C |
| 855398 | xxxxxx |  | xxxxxx A |
| 855399 | xxxxxx |  | xxxxxx A |
| 855401 | xxxxxx |  | xxxxxx D A |
| 855402 | xxxxxx |  | xxxxxx D A B |
| 855403 | xxxxxx |  | xxxxxx C A |
| 855404 | xxxxxx |  | xxxxxx A |
| 855405 | xxxxxx |  | xxxxxx A |
| 855406 | xxxxxx |  | xxxxxx A |
| 855423 | xxxxxx |  | xxxxxx D A |
| 855668 | xxxxxx |  | xxxxxx A |
| 855737 | xxxxxx |  | xxxxxx A |
| 855778 | xxxxxx |  | xxxxxx A |
| 856318 | xxxxxx |  | xxxxxx C NA B |
| 856322 | xxxxxx |  | xxxxxx B A |
| 856324 | xxxxxx |  | xxxxxx B A |
| 856325 | xxxxxx |  | xxxxxx B A |
| 856326 | xxxxxx |  | xxxxxx D A |
| 856327 | xxxxxx |  | xxxxxx B A |
| 856328 | xxxxxx |  | xxxxxx B A |
| 856330 | xxxxxx |  | xxxxxx B A |
| 856331 | xxxxxx |  | xxxxxx B A |
| 856684 | xxxxxx |  | xxxxxx B NA |

---

## Exhibit 99.13

**EXHIBIT 99.13**

**Canopy DATA COMPARE rEPORT**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 818469 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 818469 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 818469 | xxxxxx |  | Qualifying Total Debt Income Ratio | 29.57 | 25.708 |
| 841768 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 841768 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 841768 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42.49 | 38.1 |
| 843141 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 845759 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 845759 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 845766 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 845766 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846567 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 846567 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846708 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 847535 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 847535 | xxxxxx |  | Qualifying FICO | 740 | 750 |
| 847711 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 848012 | xxxxxx |  | Margin | 6.5 | 2 |
| 848012 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 848012 | xxxxxx |  | Qualifying FICO | 778 | 798 |
| 848012 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 848220 | xxxxxx |  | Qualifying FICO | 649 | 641 |
| 848321 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 848456 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 848522 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 848527 | xxxxxx |  | Qualifying Total Debt Income Ratio | 34.92 | 44 |
| 848543 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 848635 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.03 | 49.54 |
| 848683 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 848760 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 848774 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 848795 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 848802 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 848803 | xxxxxx |  | Amortization Term | 360 | 240 |
| 848803 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 849037 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 849120 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 849120 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 849126 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 849126 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 849126 | xxxxxx |  | Qualifying Total Debt Income Ratio | 29.42 | 35.17 |
| 849136 | xxxxxx |  | Qualifying Total Debt Income Ratio | 35.37 | 24.128 |
| 849272 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 849385 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 849392 | xxxxxx |  | Margin | 6.5 | 2 |
| 849392 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 849408 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 849408 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 849506 | xxxxxx |  | Qualifying CLTV | 39.35 | 29.82143 |
| 849506 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 849506 | xxxxxx |  | Qualifying LTV | 39.35 | 29.82143 |
| 849536 | xxxxxx |  | Property Type | Townhouse | Single Family Detached |
| 849546 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 849596 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 849628 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 849710 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 849930 | xxxxxx |  | Qualifying FICO | 730 | 719 |
| 849940 | xxxxxx |  | Qualifying Total Debt Income Ratio | 40.16 | 49.353 |
| 849947 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850091 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 850140 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 850140 | xxxxxx |  | Qualifying Total Debt Income Ratio | 33.8 | 30.85 |
| 850146 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 850149 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 850150 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 850150 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 850227 | xxxxxx |  | Refinance Type | Cash Out - Other | No Cash Out - Borrower Initiated |
| 850263 | xxxxxx |  | Margin | 6.5 | 2 |
| 850411 | xxxxxx |  | Property Type | 5-10 Unit Multi-Family | Units |
| 850435 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 850435 | xxxxxx |  | Qualifying Total Debt Income Ratio | 41.58 | 45 |
| 850463 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850543 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850557 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850658 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850667 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 850699 | xxxxxx |  | Margin | 6.5 | 2 |
| 850699 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 850733 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 850733 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850734 | xxxxxx |  | Qualifying Total Debt Income Ratio | 6.92 | 3.69 |
| 850750 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850761 | xxxxxx |  | Margin | 6.5 | 2 |
| 850765 | xxxxxx |  | Qualifying FICO | 704 | 702 |
| 850825 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 850825 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 850841 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850841 | xxxxxx |  | Qualifying Total Debt Income Ratio | 18.21 | 13.742 |
| 850893 | xxxxxx |  | Amortization Term | 360 | 240 |
| 850893 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 850911 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 850918 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | CashOutOther |
| 850920 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850924 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850924 | xxxxxx |  | Qualifying CLTV | 79.87 | 76.25266 |
| 850926 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850954 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850983 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 850999 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 850999 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 850999 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 850999 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 851017 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851018 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 851025 | xxxxxx |  | Qualifying Total Debt Income Ratio | 21.38 | 29 |
| 851093 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 851093 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 851297 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851297 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 851303 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851303 | xxxxxx |  | Verified Doc Type | 12 Month Bank Statement | Full |
| 851321 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851322 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851413 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851417 | xxxxxx |  | Margin | 6.5 | 2 |
| 851417 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851466 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 851466 | xxxxxx |  | Qualifying CLTV | 69.93 | 65.35948 |
| 851466 | xxxxxx |  | Qualifying FICO | 652 | 651 |
| 851466 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 851466 | xxxxxx |  | Qualifying LTV | 69.93 | 65.35948 |
| 851522 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851522 | xxxxxx |  | Qualifying CLTV | 65.4 | 63.38462 |
| 851522 | xxxxxx |  | Refinance Type | Cash Out - Other | Cash Out - Debt Consolidation |
| 851525 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851562 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851562 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851621 | xxxxxx |  | Qualifying Total Debt Income Ratio | 17.41 | 42 |
| 851670 | xxxxxx |  | Qualifying FICO | 789 | 753 |
| 851690 | xxxxxx |  | Amortization Term | 360 | 240 |
| 851690 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851690 | xxxxxx |  | Qualifying Total Debt Income Ratio | 0 | 49.4 |
| 851763 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 851769 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 851812 | xxxxxx |  | Qualifying CLTV | 38.1 | 42.11 |
| 851893 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851893 | xxxxxx |  | Qualifying Total Debt Income Ratio | 41.96 | 39.26 |
| 851909 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 851909 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.52 | 45.971 |
| 851980 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852054 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 852056 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 852057 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 852058 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 852095 | xxxxxx |  | Qualifying Total Debt Income Ratio | 39.5 | 45 |
| 852123 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852150 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852181 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852181 | xxxxxx |  | Qualifying Total Debt Income Ratio | 5.84 | 16 |
| 852217 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852239 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 852239 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 852278 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 852304 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 852304 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 852344 | xxxxxx |  | Qualifying Total Debt Income Ratio | 40.06 | 42.757 |
| 852348 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 852350 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852445 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 852485 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 852485 | xxxxxx |  | Qualifying Total Debt Income Ratio | 38.61 | 47.506 |
| 852497 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.79 | 46.044 |
| 852517 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 852517 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.19 | 38.39 |
| 852592 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 852592 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 852609 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 852610 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 852610 | xxxxxx |  | Qualifying CLTV | 73.33 | 68.75 |
| 852610 | xxxxxx |  | Qualifying LTV | 73.33 | 68.75 |
| 852610 | xxxxxx |  | Qualifying Total Debt Income Ratio | 26.48 | 10.49 |
| 852619 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852619 | xxxxxx |  | Qualifying Total Debt Income Ratio | 29.04 | 6.97 |
| 852629 | xxxxxx |  | Qualifying Total Debt Income Ratio | 39.57 | 36.594 |
| 852646 | xxxxxx |  | Borrower 1 Citizen | xxxxxx | xxxxxx |
| 852646 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 852650 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 852650 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 852655 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 852659 | xxxxxx |  | Prepayment Penalty Flag | Y | false |
| 852659 | xxxxxx |  | Prepayment Penalty Total Term | 48 | 0 |
| 852659 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |
| 852660 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 852665 | xxxxxx |  | Qualifying Total Debt Income Ratio | 26.83 | 6.97 |
| 852668 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852668 | xxxxxx |  | Qualifying Total Debt Income Ratio | 25.71 | 9.86 |
| 852670 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852681 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852681 | xxxxxx |  | Number of Units | 2 | 1 |
| 852681 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 852681 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 852694 | xxxxxx |  | Qualifying FICO | 691 | 696 |
| 852696 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 852696 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 852749 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 852749 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852749 | xxxxxx |  | Qualifying Total Debt Income Ratio | 22.62 | 25.925 |
| 852768 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852789 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 852789 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852827 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 852898 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 852908 | xxxxxx |  | Qualifying Total Debt Income Ratio | 24.04 | 39.244 |
| 852916 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 852916 | xxxxxx |  | Refinance Type | Cash Out - Other | No Cash Out - Borrower Initiated |
| 852942 | xxxxxx |  | Qualifying Total Debt Income Ratio | 23.14 | 42.38 |
| 852946 | xxxxxx |  | Qualifying Total Debt Income Ratio | 29.63 | 38.11 |
| 853099 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853138 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 853140 | xxxxxx |  | Amortization Term | 360 | 240 |
| 853144 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853144 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853216 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853216 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 853216 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853216 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 853216 | xxxxxx |  | Qualifying Total Debt Income Ratio | 48.21 | 21.945 |
| 853219 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853219 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853228 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853228 | xxxxxx |  | Qualifying Total Debt Income Ratio | 20.13 | 17 |
| 853293 | xxxxxx |  | Refinance Type | Cash Out - Other | No Cash Out - Borrower Initiated |
| 853294 | xxxxxx |  | Qualifying Total Debt Income Ratio | 32.83 | 27.47 |
| 853314 | xxxxxx |  | Qualifying Total Debt Income Ratio | 18.14 | 15.233 |
| 853319 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853321 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 853321 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853325 | xxxxxx |  | Qualifying Total Debt Income Ratio | 45.51 | 29.677 |
| 853334 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853392 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853394 | xxxxxx |  | Qualifying Total Debt Income Ratio | 43.84 | 36.58 |
| 853409 | xxxxxx |  | Qualifying FICO | 749 | 750 |
| 853443 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 853478 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853483 | xxxxxx |  | Qualifying Total Debt Income Ratio | 36.25 | 39.48 |
| 853486 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853486 | xxxxxx |  | Qualifying Total Debt Income Ratio | 17.42 | 14 |
| 853493 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 853493 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853499 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 853528 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 853528 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853561 | xxxxxx |  | Primary Mortgage or Rent Times 30 | 0 | 1 |
| 853562 | xxxxxx |  | Qualifying CLTV | 60.0 | 58.47059 |
| 853562 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 853562 | xxxxxx |  | Qualifying LTV | 60.0 | 58.47059 |
| 853573 | xxxxxx |  | Qualifying Total Debt Income Ratio | 17.85 | 52.8 |
| 853582 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853644 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853644 | xxxxxx |  | Qualifying CLTV | 80.0 | 77.30337 |
| 853644 | xxxxxx |  | Qualifying LTV | 80.0 | 77.30337 |
| 853644 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 853650 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853650 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853662 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 853662 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853664 | xxxxxx |  | Qualifying Total Debt Income Ratio | 40.5 | 45.279 |
| 853762 | xxxxxx |  | Qualifying Total Debt Income Ratio | 39.58 | 36.125 |
| 853775 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853786 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853840 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 853852 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853852 | xxxxxx |  | Qualifying Total Debt Income Ratio | 26.13 | 35.6 |
| 853880 | xxxxxx |  | Qualifying Total Debt Income Ratio | 9.46 | 5.204 |
| 853911 | xxxxxx |  | Amortization Term | 360 | 240 |
| 853912 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853940 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853940 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853940 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 853944 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853952 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 853962 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 853977 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853977 | xxxxxx |  | Qualifying CLTV | 68.97 | 70 |
| 853978 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 854015 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854117 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854122 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854122 | xxxxxx |  | Qualifying Total Debt Income Ratio | 21.49 | 31.515 |
| 854139 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854158 | xxxxxx |  | Qualifying Total Debt Income Ratio | 48.35 | 40.051 |
| 854194 | xxxxxx |  | Qualifying Total Debt Income Ratio | 48.71 | 32.96 |
| 854219 | xxxxxx |  | Borrower 1 Citizen | xxxxxx | xxxxxx |
| 854253 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.67 | 40 |
| 854266 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 854266 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854269 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 854269 | xxxxxx |  | Qualifying Total Debt Income Ratio | 37.1 | 40.097 |
| 854272 | xxxxxx |  | Qualifying Total Debt Income Ratio | 45.7 | 42.99 |
| 854297 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854297 | xxxxxx |  | Qualifying Total Debt Income Ratio | 45.61 | 36.73 |
| 854335 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 854335 | xxxxxx |  | Qualifying Total Debt Income Ratio | 35.4 | 44.397 |
| 854581 | xxxxxx |  | Qualifying Total Debt Income Ratio | 43.21 | 46.41 |
| 854628 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 854675 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 854786 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854820 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854820 | xxxxxx |  | Qualifying Total Debt Income Ratio | 16.18 | 19.03 |
| 855021 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 855021 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855021 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 855022 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 855022 | xxxxxx |  | Qualifying Total Debt Income Ratio | 38.53 | 34.103 |
| 855110 | xxxxxx |  | Number of Units | 2 | 1 |
| 855110 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 855110 | xxxxxx |  | Qualifying Total Debt Income Ratio | 30.6 | 21.99 |
| 855145 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855193 | xxxxxx |  | Qualifying Total Debt Income Ratio | 33.59 | 42.324 |
| 855294 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 855294 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 855328 | xxxxxx |  | Qualifying FICO | 685 | 691 |
| 855332 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 855332 | xxxxxx |  | Qualifying Total Debt Income Ratio | 48.85 | 43.4 |
| 855360 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 855375 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 855391 | xxxxxx |  | Property Type | Townhouse | PUD |
| 855668 | xxxxxx |  | Qualifying Total Debt Income Ratio | 47.39 | 52.57 |
| 855737 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 855737 | xxxxxx |  | Qualifying CLTV | 82.11 | 85 |
| 855737 | xxxxxx |  | Qualifying LTV | 82.11 | 85 |
| 855737 | xxxxxx |  | Qualifying Total Debt Income Ratio | 17.58 | 9.683 |
| 855737 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 855778 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856318 | xxxxxx |  | Escrow Flag | No | Yes |
| 856318 | xxxxxx |  | Qualifying FICO | 738 | 697 |
| 856327 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 856330 | xxxxxx |  | Property Value | xxxxxx | xxxxxx |

---

## Exhibit 99.14

**EXHIBIT 99.14**

**Canopy ATR QM REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 818469 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 224725.7 | Yes | Employed |  | No |  | Yes | Present |
| 841768 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12457.19 | N/A | Employed |  | No |  | Yes | Present |
| 843141 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -4469.85 |  |  |  | No | No | Yes | Present |
| 844421 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 844876 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9815 | 7.38 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4831.06 | N/A | Employed | Employed | No | No | No |  |
| 845759 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845766 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845831 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845846 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846333 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846444 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846483 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 846507 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -1200 |  |  |  | No |  | Yes | Present |
| 846567 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 846708 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 34255.37 | N/A | Employed |  | No |  | Yes | Present |
| 846939 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6190 | 7.168 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3664.95 | Yes | Employed |  | No |  | No |  |
| 847095 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 847190 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847535 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1890 | 7.096 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 34223.55 | N/A | Employed |  | No |  | No |  |
| 847600 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847711 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 847781 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 847946 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 847952 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848012 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848178 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -3181.48 | N/A |  |  | No |  | Yes | Present |
| 848220 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 15235.2 | 7.63 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4879.11 | N/A | Employed | Employed | No | No | No |  |
| 848321 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848456 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 5612 | 7.656 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14210.11 | Yes | Not Employed | Employed | No | No | No |  |
| 848522 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848527 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 25459.83 | N/A | Employed |  | No |  | Yes | Present |
| 848543 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1845 | 7.315 | Yes | N/A | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 8520.32 | Yes | Employed |  | No |  | No |  |
| 848555 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -2069 |  |  |  | No |  | Yes | Present |
| 848635 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7369 | 7.259 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3780.14 | Yes | Employed |  | No |  | No |  |
| 848683 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2045.25 | 7.473 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20012.72 | Yes | Employed | Employed | No | No | No |  |
| 848702 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848760 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15759.01 | N/A | Employed | Retired | No | No | Yes | Present |
| 848774 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848795 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 848802 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 848803 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848924 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848928 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848944 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 848975 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849037 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849038 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849120 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6245 | 7.315 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8040.55 | Yes | Employed |  | No |  | No |  |
| 849126 |  | xxxxxx | xxxxxx | 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 | 9385.38 | 7.844 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8144.62 | N/A | Employed |  | No |  | No |  |
| 849135 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849136 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 25850.83 | N/A | Employed | Employed | No | No | Yes | Present |
| 849266 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 21612.8 | 7.006 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9290.94 | Yes | Employed | Employed | No | No | No |  |
| 849272 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849385 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849392 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 849404 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849408 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849506 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849522 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 849536 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849546 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 849584 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 849596 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849623 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849628 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849639 |  | xxxxxx | xxxxxx | 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 | 3100 | 7.768 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4395.27 | N/A | Retired | Employed | No | No | No |  |
| 849645 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849697 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849709 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 849710 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849815 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3901.32 | 7.664 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2324.21 | N/A | Employed |  | No |  | No |  |
| 849823 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -7001 |  |  |  | No |  | Yes | Present |
| 849844 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849846 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849918 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849930 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2788.6 | 7.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24821.49 | Yes | Employed |  | No |  | No |  |
| 849940 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | Yes | 9385 | 7.068 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3049.26 | Yes | Employed |  | No |  | No |  |
| 849943 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 19382 | 7.476 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 148279.25 | N/A | Employed | Employed | No | No | No |  |
| 849947 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 849985 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850021 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850061 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -2785.61 |  |  |  | No |  | Yes | Present |
| 850091 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850094 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 850136 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1595 | 7.19 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 87307.45 | Yes | Employed |  | No |  | No |  |
| 850140 |  | xxxxxx | xxxxxx | 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 | 17310 | 8.113 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16945.8 | Yes | Employed |  | No |  | No |  |
| 850142 |  | xxxxxx | xxxxxx | 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 | 6306.16 | 8.884 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2879.08 | N/A | Employed |  | No |  | No |  |
| 850146 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850149 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850150 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850203 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850227 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6088.75 | 9.007 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6881.2 | Yes | Employed |  | No |  | No |  |
| 850243 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850245 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850251 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850263 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 850342 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 850344 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 850351 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 850356 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850365 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 850377 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850378 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 850379 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 850393 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 850397 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 850400 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -4066 |  |  |  | No |  | Yes | Present |
| 850404 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850409 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850411 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850413 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850415 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 850435 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 10645 | 7.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4820.91 | N/A | Employed | Employed | No | No | No |  |
| 850441 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850463 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 850505 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850508 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | 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 | 26010.63 | N/A | Employed |  | No |  | Yes | Present |
| 850539 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850543 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14184.35 | N/A | Employed |  | No |  | Yes | Present |
| 850557 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4190.25 | 8.863 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 64493.8 | N/A | Employed |  | No |  | No |  |
| 850654 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2957.9 | 7.622 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3312.42 | N/A | Employed |  | No |  | No |  |
| 850658 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850667 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850699 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 850722 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850731 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850733 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 850734 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 48634.82 | N/A | Employed |  | No |  | Yes | Present |
| 850744 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850750 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850761 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 850765 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850802 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 850821 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7515 | 7.099 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17707.92 | N/A | Retired |  | No |  | No |  |
| 850825 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850831 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850841 |  | xxxxxx | xxxxxx | 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 | 4276.5 | 8.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8905.63 | Yes | Employed | Employed | No | No | No |  |
| 850880 |  | xxxxxx | xxxxxx | 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 | 8838.08 | 7.955 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6227.91 | N/A | Employed |  | No |  | No |  |
| 850893 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2590 | 7.197 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11200 | Yes | Employed |  | No |  | No |  |
| 850911 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850918 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850920 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850924 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1545 | 9.702 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 5595.85 | N/A | Employed |  | No |  | No |  |
| 850926 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850948 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850950 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850954 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9655.65 | 7.667 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12331.2 | N/A | Employed | Not Employed | No | No | No |  |
| 850983 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 850999 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851017 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851018 |  | xxxxxx | xxxxxx | 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 | 6814.12 | 8.61 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26205.58 | N/A | Employed |  | No |  | No |  |
| 851025 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5778.56 | 9.06 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 35261.86 | N/A | Employed | Employed | No | No | No |  |
| 851067 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851093 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | 9589.33 | Yes | Employed |  | No |  | Yes | Present |
| 851095 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851297 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -2312 |  |  |  | No |  | Yes | Present |
| 851303 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 29669.05 | 7.275 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 131634.37 | N/A | Employed |  | No |  | No |  |
| 851321 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1694 | 7.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19333.42 | N/A | Employed |  | No |  | No |  |
| 851322 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3839.9 | 7.228 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7707.66 | Yes | Employed |  | No |  | No |  |
| 851331 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1675 | 7.044 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16956.77 | N/A | Employed |  | No |  | No |  |
| 851413 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6595 | 6.996 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 416022.34 | Yes | Employed |  | No |  | No |  |
| 851417 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 851433 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851460 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851466 |  | xxxxxx | xxxxxx | 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 | 12710 | 8.773 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40109.01 | Yes | Employed |  | No |  | No |  |
| 851507 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 24370 | 7.891 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12487.56 | Yes | Employed |  | No |  | No |  |
| 851522 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851525 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 851530 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 851538 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 851556 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6142.5 | 7.471 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35675.43 | Yes | Employed |  | No |  | No |  |
| 851557 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 851562 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 851619 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | 21707.5 | 7 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20499.25 | Yes | Employed |  | No |  | No |  |
| 851621 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4912.5 | 7.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 52705.87 | Yes | Employed | Not Employed | No | No | No |  |
| 851644 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851659 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 851670 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 851680 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | Yes | No | No | No | Yes | 64345 | 7.745 | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20274.96 | N/A | Employed | Employed | No | No | No |  |
| 851689 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851690 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851737 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851740 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851743 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851763 |  | xxxxxx | xxxxxx | 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 | 18175 | 7.846 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12649.24 | N/A | Employed |  | No |  | No |  |
| 851769 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 19160 | 6.551 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 111875.93 | N/A | Employed | Employed | No | No | No |  |
| 851770 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3636 | 7.638 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20725.06 | N/A | Employed |  | No |  | No |  |
| 851774 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851783 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851791 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 851812 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 42397.39 | N/A | Employed |  | No |  | Yes | Present |
| 851817 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851819 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2580 | 7.947 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 203645.11 | N/A | Employed | Employed | No | No | No |  |
| 851835 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851893 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | 4179.79 | N/A | Employed |  | No |  | Yes | Present |
| 851909 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 6321 | 7.386 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2922.12 | N/A | Employed |  | No |  | No |  |
| 851926 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 28637.63 | N/A | Employed |  | No |  | Yes | Present |
| 851948 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9026 | 7.258 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7868.75 | N/A | Employed |  | No |  | No |  |
| 851980 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852033 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 11177.93 | 8.018 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 38344.73 | N/A | Employed |  | No |  | No |  |
| 852042 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 21641.27 | N/A | Employed | Employed | No | No | No |  |
| 852043 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.269 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 36911.08 | N/A | Employed |  | No |  | No |  |
| 852046 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.565 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26468.97 | N/A | Employed |  | No |  | No |  |
| 852047 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 49519.2 | 8.256 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 381999.23 | N/A | Employed |  | No |  | No |  |
| 852050 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4370 | 6.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 56439.17 | N/A | Employed | Employed | No | No | No |  |
| 852051 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1195 | 6.144 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21185.36 | N/A | Employed | Employed | No | No | No |  |
| 852052 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1195 | 6.012 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24962.58 | N/A | Employed | Employed | No | No | No |  |
| 852053 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1195 | 6.056 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23586.56 | N/A | Employed | Not Employed | No | No | No |  |
| 852054 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6446.75 | 6.368 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16606.63 | N/A | Employed |  | No |  | No |  |
| 852055 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1195 | 6.068 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12298.31 | N/A | Not Employed | Not Employed | No | No | No |  |
| 852056 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8248.75 | 6.207 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12289.59 | N/A | Employed | Not Employed | No | No | No |  |
| 852057 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5677.5 | 6.297 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12767.38 | N/A | Employed | Employed | No | No | No |  |
| 852058 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6208.75 | 6.13 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19558.75 | N/A | Employed | Employed | No | No | No |  |
| 852095 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 11015 | 7.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4919.76 | N/A | Employed | Unknown | No | No | No |  |
| 852111 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 852113 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852123 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852145 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3250.8 | 9.078 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | 6719.55 | N/A | Employed |  | No |  | No |  |
| 852150 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 11731.6 | 7.619 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9850.8 | Yes | Employed |  | No |  | No |  |
| 852181 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 15348.13 | 7.273 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 178986.07 | Yes | Employed |  | No |  | No |  |
| 852207 |  | xxxxxx | xxxxxx | 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 | 11985.76 | 9.254 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12035.98 | N/A | Employed |  | No |  | No |  |
| 852217 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2855.63 | 7.327 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6946.79 | Yes | Employed | Unknown | No | No | No |  |
| 852239 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 5144.85 | 8.639 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5679.63 | N/A | Employed |  | No |  | No |  |
| 852254 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5533.2 | 6.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9432.86 | N/A | Employed |  | No |  | No |  |
| 852257 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852269 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2720 | 6.783 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23195.02 | N/A | Employed |  | No |  | No |  |
| 852271 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852272 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 12783.44 | 7.602 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7015.75 | Yes | Employed |  | No |  | No |  |
| 852278 |  | xxxxxx | xxxxxx | 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 | 5044.4 | 7.917 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6603.25 | Yes | Employed |  | No |  | No |  |
| 852304 |  | xxxxxx | xxxxxx | 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 | 12653.56 | 8.141 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 201971.48 | Yes | Employed |  | No |  | No |  |
| 852322 |  | xxxxxx | xxxxxx | 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 | 5425.13 | 8.877 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2343.43 | Yes | Employed |  | No |  | No |  |
| 852323 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 37613.35 | N/A | Employed |  | No |  | Yes | Present |
| 852325 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852344 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 14471 | 7.101 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11696.13 | Yes | Employed |  | No |  | No |  |
| 852348 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9883 | 6.929 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16067.98 | N/A | Employed |  | No |  | No |  |
| 852350 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852357 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3446 | 8.419 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 14782 | N/A | Employed |  | No |  | No |  |
| 852368 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 852425 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 18683.31 | 7.577 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14487.22 | Yes | Employed | Employed | No | No | No |  |
| 852427 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18466.29 | N/A | Employed |  | No |  | Yes | Present |
| 852435 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16751.71 | N/A | Employed |  | No |  | Yes | Present |
| 852445 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 852451 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | Yes | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 10435.19 | N/A | Employed | Employed | No | No | Yes | Present |
| 852485 |  | xxxxxx | xxxxxx | 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 | 21541.47 | 8.018 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12021.24 | Yes | Employed | Employed | No | No | No |  |
| 852497 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 15365 | 7.486 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12125.9 | Yes | Employed |  | No |  | No |  |
| 852510 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6880.41 | N/A | Employed |  | No |  | Yes | Present |
| 852517 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 35318.42 | N/A | Employed |  | No |  | Yes | Present |
| 852518 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 18149.3 | 7.599 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10814.2 | N/A | Employed |  | No |  | No |  |
| 852558 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2125 | 8.355 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 10929.6 | N/A | Employed |  | No |  | No |  |
| 852562 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1951.11 | 7.468 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10912.96 | N/A | Employed |  | No |  | No |  |
| 852589 |  | xxxxxx | xxxxxx | 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 | 7100.03 | 8.218 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4406.94 | N/A | Employed | Not Employed | No | No | No |  |
| 852592 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 852593 |  | xxxxxx | xxxxxx | 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 | 3545 | 9.76 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 21820.83 | N/A | Employed |  | No |  | No |  |
| 852609 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 14201 | 7.225 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10250.95 | Yes | Employed | Employed | No | No | No |  |
| 852610 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 49082.71 | N/A | Employed |  | No |  | Yes | Present |
| 852619 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 47373.65 | N/A | Employed |  | No |  | Yes | Present |
| 852629 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 31802.5 | 7.2 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22800.99 | N/A | Employed | Retired | No | No | No |  |
| 852636 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 9809.38 | 7.793 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 43080.52 | N/A | Employed |  | No |  | No |  |
| 852645 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852646 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 852650 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 852655 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852658 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852659 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852660 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852665 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 48149.13 | N/A | Employed |  | No | No | Yes | Present |
| 852668 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | 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 | 49597.66 | N/A | Employed |  | No |  | Yes | Present |
| 852670 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2532.5 | 9 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20849.18 | Yes | Employed |  | No |  | No |  |
| 852681 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 22284 | 7.175 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 30716.77 | N/A | Not Employed | Employed | No | No | No |  |
| 852694 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5625 | 8.382 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10475.18 | Yes | Not Employed | Not Employed | No | No | No |  |
| 852696 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3534.2 | 6.936 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19476.45 | N/A | Employed | Employed | No | No | No |  |
| 852749 |  | xxxxxx | xxxxxx | 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 | 25660.48 | 8.092 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24761.91 | N/A | Employed |  | No |  | No |  |
| 852757 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 20375 | 7.452 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10436.43 | N/A | Employed |  | No |  | No |  |
| 852768 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852770 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852789 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 852805 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10999.5 | 7.357 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 56381.74 | N/A | Not Employed |  | No |  | No |  |
| 852827 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5946.86 | 7.487 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4379.7 | Yes | Employed |  | No |  | No |  |
| 852891 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1475 | 7.027 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49504.71 | Yes | Employed | Employed | No | No | No |  |
| 852898 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1845 | 7.272 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25458.67 | Yes | Employed |  | No |  | No |  |
| 852908 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 16817 | 6.955 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22787.66 | Yes | Employed |  | No |  | No |  |
| 852916 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6612.35 | 8.685 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 16834.69 | N/A | Employed |  | No |  | No |  |
| 852942 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12669.27 | Yes | Employed | Employed | No | No | Yes | Present |
| 852946 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 37879.7 | N/A | Employed | Employed | No | No | Yes | Present |
| 852962 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 37848.12 | N/A | Employed | Employed | No | No | Yes | Missing |
| 853014 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6562.84 | N/A | Employed |  | No |  | Yes | Present |
| 853052 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6795 | 6.933 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6244.83 | Yes | Employed |  | No |  | No |  |
| 853063 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853092 |  | xxxxxx | xxxxxx | 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 | 13343.2 | 7.998 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8170.25 | N/A | Not Employed | Employed | No | No | No |  |
| 853099 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11547.02 | N/A | Employed |  | No |  | Yes | Present |
| 853138 |  | xxxxxx | xxxxxx | 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 | 21234 | 8.901 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10532.6 | N/A | Employed |  | No |  | No |  |
| 853140 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853144 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5009.08 | 6.693 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 93677.6 | N/A | Employed | Not Employed | No | No | No |  |
| 853206 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853216 |  | xxxxxx | xxxxxx | 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 | 3043.82 | 8.892 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4214.51 | N/A | Employed |  | No |  | No |  |
| 853219 |  | xxxxxx | xxxxxx | 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 | 15490 | 8.655 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 57202.04 | Yes | Employed |  | No |  | No |  |
| 853228 |  | xxxxxx | xxxxxx | 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 | Yes | 6458.7 | 9.041 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 25960.2 | Yes | Employed | Employed | No | No | No |  |
| 853268 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 24995 | 7.063 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 30334.24 | N/A | Employed |  | No |  | No |  |
| 853280 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 3925.63 | 7.645 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11054.29 | Yes | Employed |  | No |  | No |  |
| 853284 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 31626 | 7.314 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 237508.23 | N/A | Employed |  | No |  | No | Missing |
| 853293 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5882.4 | 8.409 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10696.81 | Yes | Employed |  | No |  | No |  |
| 853294 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 5104 | 7.82 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24886.34 | Yes | Employed |  | No |  | No |  |
| 853302 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1804 | 7.486 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24989.01 | N/A | Employed | Not Employed | No | No | No |  |
| 853314 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 107457.15 | N/A | Employed |  | No |  | Yes | Present |
| 853319 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9097.95 | 6.897 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 57491.26 | Yes | Employed |  | No |  | No |  |
| 853321 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3433.38 | 7.247 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5085.3 | Yes | Employed |  | No |  | No |  |
| 853325 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | Yes | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1401.05 | 7.551 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12901.74 | Yes | Employed | Not Employed | No | No | No |  |
| 853334 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8570.52 | N/A | Employed | Employed | No | No | Yes | Present |
| 853342 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 20556 | 7.177 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10745.04 | N/A | Employed |  | No |  | No |  |
| 853345 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1990 | 7.274 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46592.42 | Yes | Employed | Unknown | No | No | No |  |
| 853348 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6103.8 | N/A | Employed |  | No |  | Yes | Present |
| 853392 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 35480 | 7.08 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 56221.66 | N/A | Employed | Not Employed | No | No | No |  |
| 853394 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16407.37 | Yes | Retired | Employed | No | No | Yes | Present |
| 853409 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1720 | 7.194 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27269.15 | Yes | Employed |  | No |  | No |  |
| 853443 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 37856.78 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 853462 |  | xxxxxx | xxxxxx | 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 | 4587.2 | 8.01 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2872.61 | Yes | Employed |  | Yes |  | No |  |
| 853478 |  | xxxxxx | xxxxxx | 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 | Yes | 10360 | 8.978 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 296922.3 | N/A | Employed |  | No |  | No |  |
| 853483 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 4567.52 | 7.604 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3066.64 | Yes | Employed |  | No |  | No |  |
| 853486 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7105.56 | 7.156 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 39149.98 | N/A | Employed |  | No |  | No |  |
| 853493 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3195 | 9.23 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 17994.08 | N/A | Employed | Employed | No | No | No |  |
| 853499 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6635 | 7.315 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 47944.31 | N/A | Employed | Not Employed | No | No | No |  |
| 853501 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8726.8 | 7.319 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7942.36 | N/A | Employed |  | No |  | No |  |
| 853510 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 22635 | 6.984 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 31687.51 | N/A | Employed |  | No |  | No |  |
| 853528 |  | xxxxxx | xxxxxx | 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 | 20110.72 | 8.649 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 52815.21 | No | Employed |  | No |  | No |  |
| 853535 |  | xxxxxx | xxxxxx | 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 | 6297.29 | 9.253 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12608.23 | N/A | Employed |  | No |  | No |  |
| 853536 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853561 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2720 | 7.533 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 34647.66 | N/A | Employed |  | No |  | No |  |
| 853562 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1725 | 7.186 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 158919.76 | N/A | Employed |  | No |  | No |  |
| 853567 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2494 | 7.045 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10502.83 | Yes | Not Employed | Retired | No | No | No |  |
| 853573 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 16275.07 | 7.562 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49258.54 | Yes | Employed |  | No |  | No |  |
| 853582 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17436.4 | N/A | Employed |  | No |  | Yes | Present |
| 853644 |  | xxxxxx | xxxxxx | 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 | 12785 | 8.467 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11369.49 | Yes | Employed | Employed | No | No | No |  |
| 853650 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3630 | 6.891 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3562.77 | N/A | Not Employed | Not Employed | No | No | No |  |
| 853662 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11302.8 | N/A | Employed |  | No |  | Yes | Present |
| 853664 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6878.54 | 7.603 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17211.44 | Yes | Employed |  | No |  | No |  |
| 853667 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 17720 | 7.428 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24300.86 | Yes | Employed | Employed | No | No | No |  |
| 853672 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853762 |  | xxxxxx | xxxxxx | 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 | 4575 | 9.404 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 16366.82 | N/A | Employed |  | No |  | No |  |
| 853771 |  | xxxxxx | xxxxxx | 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 | 7587.88 | 10.878 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 50365.07 | N/A | Employed |  | No |  | No |  |
| 853775 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2204 | 7.625 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4646.41 | Yes | Employed |  | No |  | No |  |
| 853786 |  | xxxxxx | xxxxxx | 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 | 14028.13 | 8.52 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27450.65 | N/A | Employed | Not Employed | No | No | No |  |
| 853840 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 3841.2 | 7.522 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19507.96 | N/A | Employed |  | No |  | No |  |
| 853852 |  | xxxxxx | xxxxxx | 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 | 7770.84 | 8.939 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11453.51 | Yes | Employed |  | No |  | No |  |
| 853880 |  | xxxxxx | xxxxxx | 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 | 2325 | 7.978 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 168934.04 | Yes | Employed |  | No |  | No |  |
| 853893 |  | xxxxxx | xxxxxx | 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 | 8290 | 7.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16622.69 | Yes | Employed |  | No |  | No |  |
| 853898 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 249477.95 | N/A | Employed |  | No |  | Yes | Present |
| 853907 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853911 |  | xxxxxx | xxxxxx | 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 | 10037 | 7.792 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15778.41 | Yes | Employed |  | No |  | No |  |
| 853912 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16312.67 | N/A | Employed | Employed | No | No | Yes | Present |
| 853940 |  | xxxxxx | xxxxxx | 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 | 1845 | 8.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11769.26 | N/A | Employed | Employed | No | No | No |  |
| 853941 |  | xxxxxx | xxxxxx | 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 | 10276 | 8.144 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6463.63 | N/A | Employed |  | No |  | No |  |
| 853942 |  | xxxxxx | xxxxxx | 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 | 28240 | 8.622 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 78293.54 | N/A | Employed |  | No |  | No |  |
| 853943 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 18560 | 7.369 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13086.37 | N/A | Employed |  | No |  | No |  |
| 853944 |  | xxxxxx | xxxxxx | 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 | 14790 | 9.01 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21443.29 | N/A | Employed |  | No |  | No |  |
| 853945 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 11680 | 7.552 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3757.85 | Yes | Employed |  | No |  | No |  |
| 853946 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9680 | 7.719 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5244.4 | N/A | Employed |  | No |  | No |  |
| 853952 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13804.45 | N/A | Employed |  | No |  | Yes | Present |
| 853962 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 13127.5 | 7.169 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18270.57 | Yes | Retired | Retired | No | No | No |  |
| 853977 |  | xxxxxx | xxxxxx | 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 | 1990 | 7.795 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 146603.8 | N/A | Employed |  | No |  | No |  |
| 853978 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5240 | 9.106 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6603.06 | Yes | Employed | Employed | No | No | No |  |
| 853984 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 20144 | 7.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13082.7 | N/A | Employed |  | No |  | No |  |
| 853987 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 17652.37 | N/A | Employed |  | No |  | Yes | Missing |
| 853990 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5535 | 7.11 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5516.3 | N/A | Employed |  | No |  | No |  |
| 853991 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6815 | 6.968 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11498.26 | N/A | Employed |  | No |  | No |  |
| 853993 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9995 | 8.199 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 24779.9 | N/A | Employed |  | No |  | No |  |
| 854004 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2720 | 6.919 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 81520.16 | N/A | Employed |  | No |  | No |  |
| 854011 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2720 | 6.94 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8947.4 | N/A | Employed |  | No |  | No |  |
| 854012 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2375 | 7.189 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24203.09 | N/A | Employed | Employed | No | No | No |  |
| 854015 |  | xxxxxx | xxxxxx | 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 | 5477.81 | 8.994 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8705.92 | Yes | Employed | Employed | No | No | No |  |
| 854117 |  | xxxxxx | xxxxxx | 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 | 1119.25 | 9.842 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17669.84 | N/A | Employed | Not Employed | No | No | No |  |
| 854120 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1915 | 6.769 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 31076.6 | N/A | Employed | Not Employed | No | No | No |  |
| 854122 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 49318.28 | N/A | Employed |  | No |  | Yes | Present |
| 854139 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2219 | 7.061 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12338.7 | Yes | Employed |  | No |  | No |  |
| 854158 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | 1985 | 6.887 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24951.81 | Yes | Employed |  | No |  | No |  |
| 854171 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 26695 | 7.275 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25836.63 | N/A | Employed |  | No |  | No |  |
| 854194 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4532.47 | Yes | Employed |  | No |  | Yes | Present |
| 854219 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2425 | 7.053 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5682.06 | N/A | Employed |  | No |  | No |  |
| 854220 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2375 | 6.775 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 88005.74 | N/A | Employed |  | No |  | No |  |
| 854253 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22205.49 | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 854266 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18194.23 | N/A | Employed |  | No |  | Yes | Present |
| 854269 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20409.45 | N/A | Employed |  | No |  | Yes | Present |
| 854271 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7715 | 6.862 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 28844.65 | N/A | Employed |  | No |  | No |  |
| 854272 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 23329.35 | N/A | Employed | Employed | No | No | Yes | Present |
| 854281 |  | xxxxxx | xxxxxx | 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 | 4898.13 | 9.234 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5081.75 | Yes | Employed |  | No |  | No |  |
| 854297 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 22962.75 | 8.182 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13166.76 | Yes | Employed |  | No |  | No |  |
| 854310 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6697.5 | 8.005 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 337127.34 | N/A | Employed | Not Employed | No | No | No |  |
| 854335 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 16481 | 7.476 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15850.85 | N/A | Employed |  | No |  | No |  |
| 854351 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2267.5 | 7.506 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 6209.18 | N/A | Employed | Not Employed | No | No | No |  |
| 854576 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8705.35 | N/A | Unknown | Employed | No | No | Yes | Present |
| 854581 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 19945 | 7.675 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17572.11 | Yes | Employed |  | No |  | No |  |
| 854601 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1695 | 7.06 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 246173.95 | Yes | Employed | Not Employed | No | No | No |  |
| 854626 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1845 | 7.357 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23623.57 | Yes | Employed | Retired | No | No | No |  |
| 854628 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 15781 | 7.198 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17857.51 | N/A | Employed |  | No |  | No |  |
| 854658 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 7162.47 | 7.613 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3432.57 | Yes | Employed | Unknown | No | No | No |  |
| 854664 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 10868.55 | N/A | Employed |  | No |  | Yes | Present |
| 854667 |  | xxxxxx | xxxxxx | 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 | 7268.68 | 8.481 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21161.24 | N/A | Employed |  | No |  | No |  |
| 854675 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 13410 | 7.133 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12806.43 | N/A | Employed | Not Employed | No | No | No |  |
| 854733 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 23170.39 | N/A | Employed |  | No |  | Yes | Present |
| 854751 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16333.4 | N/A | Employed |  | No |  | Yes | Present |
| 854786 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10450 | 7.263 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10655.3 | N/A | Employed |  | No |  | No |  |
| 854817 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2720 | 6.946 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6922.24 | N/A | Employed |  | No |  | No |  |
| 854819 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2720 | 6.788 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17909.82 | N/A | Employed |  | No |  | No |  |
| 854820 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15546.36 | N/A | Employed | Employed | No | No | Yes | Present |
| 854837 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2720 | 7.083 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11777.32 | N/A | Employed |  | No |  | No |  |
| 854838 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9232 | 6.821 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11771.17 | N/A | Employed |  | No |  | No |  |
| 854839 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2720 | 7.058 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 35590.95 | N/A | Employed |  | No |  | No |  |
| 854840 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2670 | 7.076 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 27807.91 | N/A | Employed |  | No |  | No |  |
| 854842 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 19183.75 | N/A | Unknown | Employed | No | No | Yes | Present |
| 854904 |  | xxxxxx | xxxxxx | 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 | 9545 | 10.639 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 42175.55 | N/A | Employed |  | No |  | No |  |
| 854954 |  | xxxxxx | xxxxxx | 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 | 13220 | 7.755 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9615.94 | N/A | Employed |  | No |  | No |  |
| 854966 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 54177.07 | N/A | Employed | Employed | No | No | Yes | Present |
| 854981 |  | xxxxxx | xxxxxx | 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 | 17778.55 | 7.816 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28259.81 | Yes | Employed |  | No |  | No |  |
| 855021 |  | xxxxxx | xxxxxx | 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 | 13956.25 | 7.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10152.77 | N/A | Employed | Not Employed | No | No | No |  |
| 855022 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11901.04 | N/A | Employed | Employed | No | No | Yes | Present |
| 855083 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6895 | 8.092 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 8805.3 | N/A | Employed |  | No |  | No |  |
| 855104 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2580 | 7.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 57743.52 | N/A | Employed |  | No |  | No |  |
| 855110 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6929.66 | N/A | Employed |  | No |  | Yes | Present |
| 855145 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5066.35 | 9.5 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10517.98 | N/A | Employed |  | No |  | No |  |
| 855193 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2219 | 7.085 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 60886.78 | N/A | Employed | Employed | No | No | No |  |
| 855294 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3524.57 | N/A | Employed |  | No |  | Yes | Present |
| 855328 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2370 | 6.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20101.32 | N/A | Employed |  | No |  | No |  |
| 855330 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6400 | 6.823 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4766.32 | N/A | Employed |  | No |  | No |  |
| 855332 |  | xxxxxx | xxxxxx | 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 | 25255 | 8.024 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8115.69 | N/A | Employed |  | No |  | No |  |
| 855344 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | Yes | No | No | No | Yes | 117285.63 | 7.348 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 144651.04 | N/A | Employed |  | No |  | No |  |
| 855346 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 25046.31 | 7.326 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 65980.29 | N/A | Employed |  | No |  | No |  |
| 855349 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14189.39 | N/A | Employed |  | No |  | Yes | Present |
| 855350 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | Yes | 40749.38 | Yes | Employed |  | No |  | Yes | Present |
| 855351 |  | xxxxxx | xxxxxx | 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 | 15170 | 8.576 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7160.12 | N/A | Employed |  | No |  | No |  |
| 855355 |  | xxxxxx | xxxxxx | 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 | 10796.13 | 8.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8516.18 | N/A | Not Employed |  | No |  | No |  |
| 855357 |  | xxxxxx | xxxxxx | 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 | 8752.5 | 8.272 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4415.67 | N/A | Employed |  | No |  | No |  |
| 855358 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 30272.97 | Yes | Employed | Employed | No | No | Yes | Present |
| 855360 |  | xxxxxx | xxxxxx | 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 | 18774 | 8.108 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14579.99 | N/A | Employed |  | No |  | No |  |
| 855361 |  | xxxxxx | xxxxxx | 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 | 15152.88 | 8.921 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6263.68 | Yes | Employed |  | No |  | No |  |
| 855362 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 8745 | 7.279 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7310.49 | Yes | Employed |  | No |  | No |  |
| 855364 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14383.53 | N/A | Employed |  | No |  | Yes | Present |
| 855365 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6295 | 6.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5117.99 | N/A | Employed | Employed | No | No | No |  |
| 855366 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8115 | 6.897 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6150.92 | Yes | Employed |  | No |  | No |  |
| 855367 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 13748 | 7.54 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3709.35 | Yes | Employed | Employed | No | No | No |  |
| 855368 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | Yes | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1295 | 6.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 13180.06 | N/A | Employed | Not Employed | No | No | No |  |
| 855369 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20222.37 | N/A | Employed | Employed | No | No | Yes | Present |
| 855370 |  | xxxxxx | xxxxxx | 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 | 8321.25 | 7.969 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8517.38 | N/A | Employed |  | No |  | No |  |
| 855371 |  | xxxxxx | xxxxxx | 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 | 12120 | 8.294 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8650.04 | N/A | Employed |  | No |  | No |  |
| 855372 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 51697 | 8.259 | No | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 97480.37 | N/A | Employed |  | No |  | No |  |
| 855375 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 13207.5 | 6.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9686.64 | Yes | Employed |  | No |  | No |  |
| 855377 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 11720 | 6.858 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7616.06 | N/A | Employed |  | No |  | No |  |
| 855378 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 12075 | 6.972 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31302.54 | Yes | Employed |  | No |  | No |  |
| 855380 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 8895 | 7.265 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7110.86 | N/A | Employed |  | No |  | No |  |
| 855381 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 12115 | 7.038 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20867.47 | Yes | Not Employed | Employed | No | No | No |  |
| 855382 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 16515 | 6.807 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18926.55 | N/A | Employed | Not Employed | No | No | No |  |
| 855385 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 6545 | 6.79 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 3978.5 | N/A | Employed |  | No |  | No |  |
| 855386 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6835 | 6.976 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5003.28 | N/A | Employed |  | No |  | No |  |
| 855387 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 22007.5 | 7.612 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12006.76 | Yes | Employed |  | No |  | No |  |
| 855388 |  | xxxxxx | xxxxxx | 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 | 14497.15 | 8.762 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10652.74 | N/A | Employed |  | No |  | No |  |
| 855391 |  | xxxxxx | xxxxxx | 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 | 4821.7 | 7.896 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16223.44 | Yes | Employed |  | No |  | No |  |
| 855392 |  | xxxxxx | xxxxxx | 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 | 606.62 | 8.247 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2062.56 | Yes | Employed |  | No |  | No |  |
| 855393 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | 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 | 25577.63 | N/A | Employed |  | No |  | Yes | Present |
| 855397 |  | xxxxxx | xxxxxx | 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 | 9395 | 8.821 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12765.77 | N/A | Employed |  | No |  | No |  |
| 855398 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 21695 | 6.892 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12391.9 | Yes | Employed |  | No |  | No |  |
| 855399 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 8179.69 | 6.674 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11266.55 | N/A | Employed |  | No |  | No |  |
| 855401 |  | xxxxxx | xxxxxx | 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 | 6070 | 7.747 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4099.42 | Yes | Employed |  | No |  | No |  |
| 855402 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 18275 | 7.117 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 34004.99 | N/A | Employed |  | No |  | No |  |
| 855403 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8357.5 | 6.806 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12480.18 | Yes | Employed |  | No |  | No |  |
| 855404 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 13695 | 6.574 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20536.46 | N/A | Employed |  | No |  | No |  |
| 855405 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 9575 | 6.76 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8446.03 | N/A | Employed |  | No |  | No |  |
| 855406 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6705 | 6.711 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6919.01 | Yes | Employed | Not Employed | No | No | No |  |
| 855423 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14330.32 | N/A | Employed | Employed | No | No | Yes | Present |
| 855668 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 21495 | 7.106 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23979.91 | N/A | Employed | Employed | No | No | No |  |
| 855737 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 11793.85 | Yes | Employed |  | No |  | Yes | Present |
| 855778 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 0 | 6.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2292.77 | N/A | Retired | Retired | No | No | No |  |
| 856318 |  | xxxxxx | xxxxxx | 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 | 6315 | 9.996 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | No | N/A | 9267.14 | N/A | Employed | Employed | No | No | No |  |
| 856322 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8485 | 6.629 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14985.72 | N/A | Employed |  | No |  | No |  |
| 856324 |  | xxxxxx | xxxxxx | 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 | 9236 | 7.76 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19721.31 | N/A | Employed |  | No |  | No |  |
| 856325 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 11260 | 8.273 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5161.42 | N/A | Employed |  | No |  | No |  |
| 856326 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7140 | 7.679 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8483.96 | N/A | Employed |  | No |  | No |  |
| 856327 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7880 | 7.189 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9481.27 | N/A | Employed |  | No |  | No |  |
| 856328 |  | xxxxxx | xxxxxx | 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 | 11145.87 | 10.26 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8293.45 | N/A | Employed |  | No |  | No |  |
| 856330 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 13415 | 7.613 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 30511 | N/A | Employed |  | No |  | No |  |
| 856331 |  | xxxxxx | xxxxxx | 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 | 11865 | 8.787 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 3915.94 | Yes | Retired |  | No |  | No |  |
| 856684 |  | xxxxxx | xxxxxx | 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 | 7880.16 | 10.152 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 30607.37 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.15

**EXHIBIT 99.15**

**Canopy VALUATION Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 818469 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841768 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-12-2025 |
| 843141 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.72 | 57.26 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-21-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 06-20-2025 Eligible | 1 | 06-20-2025 |
| 844421 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844876 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.85 | 50.85 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 08-01-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 09-10-2025 |
| 845759 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-03-2025 |
| 845766 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 845831 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.14 | 57.14 | xxxxxx | xxxxxx | -.0675 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | xxxxxx | -.0675 | xxxxxx | Moderate Risk | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845846 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-15-2025 |
| 846333 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846444 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846483 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.04 | 37.04 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-06-2025 Eligible | 1 | 08-06-2025 |
| 846507 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-30-2025 |
| 846567 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.52 | 64.52 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 08-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846708 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 Eligible |  |  |
| 846939 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847095 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.99 | 64.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-04-2025 |
| 847190 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 08-28-2025 |
| 847535 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847600 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-17-2025 |
| 847711 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-15-2025 |
| 847781 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847946 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.39 | 51.39 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847952 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-20-2025 |
| 848012 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.6 | 65.6 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-04-2025 |
| 848178 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-27-2025 |
| 848220 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-07-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.12 | 54.12 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848321 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0791 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | xxxxxx | -.0791 | xxxxxx | Moderate Risk | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 08-07-2025 |
| 848456 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.2 | 21.2 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 Eligible | 1.1 | 10-21-2025 |
| 848522 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 09-10-2025 |
| 848527 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.93 | 74.93 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 |
| 848543 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848555 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.75 | 64.75 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-24-2025 Eligible |  |  |
| 848635 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-20-2025 Eligible | 1.6 | 11-20-2025 |
| 848683 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848702 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848760 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-12-2025 |
| 848774 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.65 | 68.65 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 09-22-2025 |
| 848795 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 |
| 848802 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.17 | 48.17 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .1376 | 08-20-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 Eligible | 1.8 | 10-17-2025 |
| 848803 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-22-2025 Eligible | 1.7 | 08-22-2025 |
| 848924 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 Eligible | 1.1 | 10-14-2025 |
| 848928 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-07-2025 |
| 848944 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-24-2025 |
| 848975 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.55 | 29.55 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-02-2025 |
| 849037 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.66 | 49.66 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-20-2025 Eligible | 1.4 | 10-20-2025 |
| 849038 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 |
| 849120 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-20-2025 Eligible | 1 | 10-20-2025 |
| 849126 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-03-2025 |
| 849135 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.97 | 52.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 10-23-2025 |
| 849136 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849266 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.89 | 74.89 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 849272 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849385 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0667 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | xxxxxx | .0667 | xxxxxx | Low Risk | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849392 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849404 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-19-2025 |
| 849408 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-14-2025 |
| 849506 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 39.35 | 39.35 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849522 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-10-2025 Eligible | 1 | 10-10-2025 |
| 849536 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.56 | 50.56 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849546 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 |
| 849584 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.91 | 47.91 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 |
| 849596 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.92 | 59.92 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 11-14-2025 |
| 849623 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 08-18-2025 |
| 849628 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.84 | 68.84 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 849639 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.88 | 57.88 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849645 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-03-2025 Eligible | 1 | 10-03-2025 |
| 849697 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.55 | 59.55 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-09-2025 Eligible |  |  |
| 849709 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40.0 | 40.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 Eligible | 1 | 10-13-2025 |
| 849710 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.59 | 59.59 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 |
| 849815 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-29-2025 Eligible | 1 | 10-29-2025 |
| 849823 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.22 | 62.22 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849844 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-13-2025 |
| 849846 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12.27 | 12.27 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-03-2025 Eligible | 2.1 | 10-03-2025 |
| 849918 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-26-2025 Eligible | 1 | 09-26-2025 |
| 849930 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-07-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849940 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.53 | 33.53 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-30-2025 |
| 849943 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-01-2025 |
| 849947 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .0511 | 09-05-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-16-2025 |
| 849985 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.67 | 51.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 09-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850021 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850061 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-21-2025 |
| 850091 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.24 | 16.24 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 |
| 850094 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 09-26-2025 |
| 850136 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable Risk | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 Eligible | 1.5 | 10-06-2025 |
| 850140 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-16-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | .0219 | 09-18-2025 | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | As Is | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850142 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.86 | 42.86 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 08-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-22-2025 |
| 850146 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.48 | 68.48 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable Risk | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-16-2025 |
| 850149 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | .0120 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | .0120 | 08-20-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  | xxxxxx | xxxxxx | .0120 | xxxxxx | 0.0 | 08-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-24-2025 |
| 850150 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable Risk | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850203 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 Eligible | 2 | 10-06-2025 |
| 850227 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.36 | 69.59 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-18-2025 |
| 850243 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850245 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-05-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850251 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.35 | 54.35 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850263 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-21-2025 |
| 850342 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.0 | 71.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-15-2025 |
| 850344 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-12-2025 |
| 850351 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 09-03-2025 |
| 850356 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-22-2025 Eligible |  |  |
| 850365 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-27-2025 Eligible | 1 | 08-27-2025 |
| 850377 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.27 | 67.27 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 09-08-2025 |
| 850378 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.4 | 60.4 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850379 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.31 | 42.31 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 |
| 850393 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 |
| 850397 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-20-2025 |
| 850400 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.19 | 57.19 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 09-11-2025 |
| 850404 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.71 | 47.71 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 Eligible |  |  |
| 850409 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-25-2025 |
| 850411 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-13-2025 | Other |  |  |  | xxxxxx | 68.87 | 68.87 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850413 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850415 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-25-2025 |
| 850435 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850441 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850463 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-20-2025 |
| 850505 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 850508 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.01 | 74.01 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 10-30-2025 |
| 850539 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2025 Eligible | 1 | 09-08-2025 |
| 850543 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850557 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-28-2025 | AVM |  |  |  | xxxxxx | 14.24 | 53.43 | xxxxxx | xxxxxx | .0042 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxxxxx | xxxxxx | .0042 | 93.0 | 0.07 | xxxxxx | xxxxxx | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850654 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.73 | 66.73 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 Eligible | 1 | 10-17-2025 |
| 850658 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 10-03-2025 |
| 850667 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-30-2025 |
| 850699 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-22-2025 |
| 850722 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 |
| 850731 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-30-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.18 | 49.18 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850733 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850734 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.75 | 72.75 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-25-2025 Eligible | 1 | 09-25-2025 |
| 850744 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 |
| 850750 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.0 | 64.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850761 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .1079 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | xxxxxx | .1079 | xxxxxx | Low Risk | 02-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850765 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.32 | 61.32 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-30-2025 Eligible | 1 | 09-30-2025 |
| 850802 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 |
| 850821 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.69 | 53.69 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 10-09-2025 |
| 850825 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 |
| 850831 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-24-2025 Eligible | 1 | 10-14-2025 |
| 850841 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.32 | 26.32 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850880 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | xxxxxx | .0057 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0057 | 11-11-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-12-2025 Eligible | 2.1 | 11-12-2025 |
| 850893 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-21-2025 Eligible | 1.1 | 10-21-2025 |
| 850911 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 |
| 850918 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850920 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850924 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-01-2025 | AVM |  |  |  | xxxxxx | 24.95 | 79.87 | xxxxxx | xxxxxx | .0490 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxxxxx | xxxxxx | .0490 | 95.0 | 0.05 | Other | Other | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850926 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.63 | 68.63 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 850948 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.5 | 56.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 09-24-2025 |
| 850950 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.5 | 56.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 09-24-2025 |
| 850954 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.91 | 69.91 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-01-2025 |
| 850983 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.36 | 74.36 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-09-2025 Eligible |  |  |
| 850999 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.7 | 36.7 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 Eligible | 1 | 10-21-2025 |
| 851017 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.1 | 54.1 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851018 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-23-2025 |
| 851025 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-23-2025 | AVM |  |  |  | xxxxxx | 25.03 | 69.68 | xxxxxx | xxxxxx | -.0035 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxxxxx | xxxxxx | .0035 | 90.0 | 0.1 | xxxxxx | Other | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851067 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-20-2025 Eligible |  |  |
| 851093 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851095 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-21-2025 |
| 851297 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.0 | 74.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-20-2025 |
| 851303 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.34 | 78.34 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 08-04-2025 |
| 851321 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851322 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-24-2025 Eligible | 1 | 10-24-2025 |
| 851331 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 |
| 851413 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.48 | 43.48 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-20-2025 Eligible |  |  |
| 851417 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 Eligible | 1.1 | 10-14-2025 |
| 851433 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851460 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.49 | 61.49 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-16-2025 |
| 851466 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.93 | 69.93 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-16-2025 Eligible | 1 | 10-16-2025 |
| 851507 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851522 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.4 | 65.4 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 |
| 851525 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-22-2025 Eligible |  |  |
| 851530 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable Risk | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851538 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-08-2025 Eligible | 1.1 | 10-08-2025 |
| 851556 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.01 | 51.01 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 10-30-2025 |
| 851557 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.71 | 52.71 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851562 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 851619 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 Eligible |  |  |
| 851621 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-26-2025 Eligible |  |  |
| 851644 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851659 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-19-2025 |
| 851670 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-15-2025 |
| 851680 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851689 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable Risk | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851690 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.07 | 57.07 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-04-2025 |
| 851737 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.99 | 64.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851740 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-22-2025 Eligible |  |  |
| 851743 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.86 | 42.86 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 10-22-2025 |
| 851763 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851769 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.95 | 51.95 | xxxxxx | xxxxxx | .0487 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0487 | 10-28-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851770 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.61 | 51.61 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-05-2025 Eligible | 1 | 11-05-2025 |
| 851774 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-27-2025 Eligible | 1.1 | 10-27-2025 |
| 851783 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851791 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.22 | 51.22 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-01-2025 Eligible | 1 | 10-01-2025 |
| 851812 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.1 | 38.1 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-20-2025 Eligible | 1 | 10-20-2025 |
| 851817 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-23-2025 Eligible | 1.9 | 10-23-2025 |
| 851819 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.98 | 79.98 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable Risk | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851835 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.63 | 74.63 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-29-2025 |
| 851893 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | .1202 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxxxxx | xxxxxx | .1202 | 95.0 | 0.05 | xxxxxx | xxxxxx | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851909 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.79 | 15.79 | xxxxxx | xxxxxx | .0053 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | xxxxxx | .0053 | xxxxxx | Low Risk | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 |
| 851926 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 10-24-2025 |
| 851948 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 |
| 851980 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.78 | 74.78 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-30-2025 |
| 852033 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 Eligible | 1 | 10-30-2025 |
| 852042 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 89.98 | 89.98 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-28-2025 |
| 852043 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-03-2025 Eligible | 1.5 | 09-03-2025 |
| 852046 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852047 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2023 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.38 | 65.38 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852050 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-05-2023 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 84.67 | 84.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 05-09-2023 |
| 852051 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2023 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 88.89 | 88.89 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-03-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852052 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-27-2023 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Acceptable | 03-03-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852053 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-16-2023 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-21-2023 |
| 852054 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-20-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-18-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852055 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-29-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 86.54 | 86.54 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852056 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-09-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-05-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852057 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-29-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-23-2023 |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-01-2022 |
| 852058 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-14-2022 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-13-2023 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-22-2022 |
| 852095 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0041 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0041 | 10-19-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852111 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.62 | 50.62 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852113 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.71 | 66.71 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-23-2025 |
| 852123 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 852145 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-02-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.75 | 64.31 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-04-2025 |
| 852150 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-07-2025 Eligible |  |  |
| 852181 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852207 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-2025 |
| 852217 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-30-2025 Eligible |  |  |
| 852239 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-23-2025 | AVM |  |  |  | xxxxxx | 15.87 | 48.51 | xxxxxx | xxxxxx | .0240 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxxxxx | xxxxxx | .0240 | 88.0 | 0.12 | xxxxxx | xxxxxx | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852254 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 852257 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 852269 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-28-2025 |
| 852271 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-23-2025 Eligible | 1 | 10-23-2025 |
| 852272 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 84.45 | 84.45 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 11-17-2025 |
| 852278 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852304 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-19-2025 Eligible |  |  |
| 852322 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852323 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852325 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-30-2025 |
| 852344 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 |
| 852348 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 |
| 852350 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-30-2025 |
| 852357 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20.94 | 49.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-12-2025 |
| 852368 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 852425 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.99 | 59.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 |
| 852427 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-05-2025 |
| 852435 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 Eligible | 1 | 11-04-2025 |
| 852445 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 852451 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852485 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0071 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0071 | 10-02-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852497 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-01-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.53 | 65.53 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852510 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852517 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 10-08-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852518 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-17-2025 Eligible | 1 | 11-17-2025 |
| 852558 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17.28 | 38.61 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-06-2025 |
| 852562 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Indeterminate | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852589 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-20-2025 Eligible | 1 | 11-20-2025 |
| 852592 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 852593 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.5 | 63.66 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-31-2025 |
| 852609 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-14-2025 |
| 852610 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.33 | 73.33 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 852619 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-22-2025 Eligible | 1 | 10-22-2025 |
| 852629 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.11 | 50.11 | xxxxxx | xxxxxx | -.0424 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | xxxxxx | -.0424 | xxxxxx | As-Is Adjusted | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852636 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 10-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 852645 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-16-2025 | Other |  |  |  | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | .0135 | Broker Price Opinion (BPO) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0135 | xxxxxx | 09-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852646 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.33 | 70.33 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 852650 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 08-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852655 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 08-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852658 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.67 | 26.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 07-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-01-2025 |
| 852659 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.24 | 63.24 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852660 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-25-2025 |
| 852665 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852668 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-25-2025 Eligible | 1 | 10-25-2025 |
| 852670 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.56 | 79.83 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable Risk | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852681 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0699 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxxxxx | xxxxxx | -.0699 | 92.0 | 0.08 | xxxxxx | xxxxxx | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852694 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.97 | 68.97 | xxxxxx | xxxxxx | .0022 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxxxxx | xxxxxx | .0022 | 89.0 | 0.11 | xxxxxx | Other | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 11-13-2025 |
| 852696 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-31-2025 Eligible | 1 | 10-31-2025 |
| 852749 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.99 | 74.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852757 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 |
| 852768 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 Eligible |  |  |
| 852770 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0455 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | xxxxxx | -.0455 | xxxxxx | Moderate Risk | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 Eligible |  |  |
| 852789 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852805 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0698 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | xxxxxx | -.0698 | xxxxxx | Reasonable Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852827 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-14-2025 Eligible | 1 | 11-14-2025 |
| 852891 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-19-2025 Eligible | 1 | 11-19-2025 |
| 852898 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-26-2025 |
| 852908 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.6 | 57.6 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-20-2025 |
| 852916 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 14.7 | 48.12 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 Eligible | 1 | 09-17-2025 |
| 852942 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 Eligible | 1.3 | 11-26-2025 |
| 852946 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-15-2025 |
| 852962 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-05-2025 Eligible | 1 | 11-05-2025 |
| 853014 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853052 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-15-2025 Eligible | 1 | 10-15-2025 |
| 853063 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 09-30-2025 |
| 853092 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 Eligible | 1 | 11-11-2025 |
| 853099 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 |
| 853138 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-19-2025 |
| 853140 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.54 | 52.54 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853144 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.66 | 51.66 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 |
| 853206 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-25-2025 Eligible | 1 | 10-25-2025 |
| 853216 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-11-2025 Eligible | 1 | 11-11-2025 |
| 853219 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-19-2025 Eligible | 1 | 11-19-2025 |
| 853228 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | xxxxxx | -.0974 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | xxxxxx | -.0974 | xxxxxx | Moderate Risk | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853268 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853280 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable Risk | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-18-2025 Eligible |  |  |
| 853284 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853293 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17.58 | 56.17 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853294 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-28-2025 Eligible | 1 | 10-28-2025 |
| 853302 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-07-2025 |
| 853314 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-15-2025 Eligible | 1 | 10-15-2025 |
| 853319 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 |
| 853321 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 Eligible | 1 | 12-01-2025 |
| 853325 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-13-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.14 | 69.14 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-03-2025 |
| 853334 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-06-2025 | AVM |  |  |  | xxxxxx | 17.91 | 27.5 | xxxxxx | xxxxxx | -.0425 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxxxxx | xxxxxx | -.0425 | 94.0 | 0.06 | xxxxxx | Other | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853342 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 |
| 853345 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 |
| 853348 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 |
| 853392 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.69 | 50.69 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853394 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853409 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853443 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853462 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853478 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.8 | 74.8 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | REASONABLE | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853483 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-14-2025 |
| 853486 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 853493 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20.0 | 62.68 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853499 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 Eligible | 1.8 | 11-10-2025 |
| 853501 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-18-2025 |
| 853510 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.31 | 67.31 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853528 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 11-15-2025 |
| 853535 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 |
| 853536 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 10-31-2025 |
| 853561 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 Eligible |  |  |
| 853562 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853567 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-21-2025 Eligible |  |  |
| 853573 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-09-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853582 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | .0526 | 10-21-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853644 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 11-20-2025 |
| 853650 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 30.62 | 30.62 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 853662 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 Eligible | 1.6 | 11-24-2025 |
| 853664 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.5 | 79.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853667 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.43 | 56.43 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853672 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 Eligible | 1 | 11-06-2025 |
| 853762 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 22.86 | 54.43 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-12-2025 |
| 853771 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.34 | 79.74 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 853775 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-14-2025 |
| 853786 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 853840 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.33 | 65.33 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853852 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 853880 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 11-12-2025 |
| 853893 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853898 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-12-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | .0035 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxxxxx | xxxxxx | .0035 | 90.0 | 0.1 | xxxxxx | xxxxxx | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853907 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-17-2025 Eligible | 1 | 11-17-2025 |
| 853911 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-21-2025 Eligible | 1 | 11-21-2025 |
| 853912 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 Eligible | 1 | 11-03-2025 |
| 853940 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 Eligible | 1.3 | 11-18-2025 |
| 853941 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.52 | 69.52 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-21-2025 Eligible | 1 | 11-21-2025 |
| 853942 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0462 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0462 | 10-24-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-20-2025 |
| 853943 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 853944 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-28-2025 Eligible |  |  |
| 853945 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.92 | 69.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853946 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 100.0 | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853952 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 19.2 | 47.51 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-17-2025 |
| 853962 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-26-2025 |
| 853977 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.97 | 68.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-03-2025 Eligible | 1 | 12-03-2025 |
| 853978 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.78 | 73.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-30-2025 |
| 853984 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 11-06-2025 |
| 853987 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.4 | 69.4 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 |
| 853990 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 |
| 853991 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 Eligible |  |  |
| 853993 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 14.63 | 51.58 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 11-07-2025 |
| 854004 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.06 | 69.06 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 |
| 854011 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.8 | 63.8 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 |
| 854012 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-19-2025 |
| 854015 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-07-2025 |
| 854117 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854120 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.46 | 71.46 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 11-04-2025 |
| 854122 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 Eligible | 1 | 11-24-2025 |
| 854139 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0127 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxxxxx | xxxxxx | .0127 | 94.0 | 0.06 | xxxxxx | xxxxxx | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-21-2025 |
| 854158 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.22 | 74.22 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-03-2025 |
| 854171 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.07 | 74.07 | xxxxxx | xxxxxx | -.0848 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | xxxxxx | -.0848 | xxxxxx | Moderate Risk | 11-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 854194 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 11-14-2025 |
| 854219 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.16 | 63.16 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 854220 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.44 | 69.44 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-05-2025 |
| 854253 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854266 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 12-09-2025 |
| 854269 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 11-28-2025 |
| 854271 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 |
| 854272 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0643 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxxxxx | xxxxxx | .0643 | 97.0 | 0.03 | xxxxxx | xxxxxx | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854281 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-13-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854297 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.46 | 63.46 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 Eligible | 1 | 09-29-2025 |
| 854310 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.43 | 52.08 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 854335 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-21-2025 Eligible | 1 | 11-21-2025 |
| 854351 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 24.75 | 73.87 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-21-2025 Eligible | 1 | 11-21-2025 |
| 854576 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-10-2025 |
| 854581 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-13-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0529 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxxxxx | xxxxxx | .0529 | 95.0 | 0.05 | xxxxxx | xxxxxx | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854601 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854626 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-02-2025 Eligible | 1 | 12-02-2025 |
| 854628 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854658 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-17-2025 |
| 854664 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-18-2025 |
| 854667 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854675 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-28-2025 Eligible | 1 | 10-28-2025 |
| 854733 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-21-2025 |
| 854751 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854786 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0888 | 1025 Small Residential Income Report |  |  |  |  | xxxxxx | xxxxxx | .0888 | 11-11-2025 | 1025 Small Residential Income Report |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854817 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 |
| 854819 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 30.91 | 30.91 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854820 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854837 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 11-06-2025 |
| 854838 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 11-13-2025 |
| 854839 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-18-2025 |
| 854840 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 24.32 | 24.32 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 854842 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.85 | 59.85 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 |
| 854904 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 22.58 | 78.84 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 |
| 854954 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854966 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.43 | 78.43 | xxxxxx | xxxxxx | .0185 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxxxxx | xxxxxx | .0185 | 97.0 | 0.03 | xxxxxx | xxxxxx | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854981 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.21 | 67.21 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855021 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 Eligible | 1.4 | 11-11-2025 |
| 855022 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 Eligible |  |  |
| 855083 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.6 | 70.02 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-01-2025 Eligible | 2.1 | 12-01-2025 |
| 855104 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-01-2025 Eligible | 2.1 | 12-01-2025 |
| 855110 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855145 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 35.53 | 89.98 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-16-2025 Eligible | 1 | 11-16-2025 |
| 855193 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0530 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxxxxx | xxxxxx | -.0530 | 93.0 | 0.07 | xxxxxx | xxxxxx | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855294 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.1 | 55.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-04-2025 |
| 855328 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.39 | 61.39 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-21-2025 |
| 855330 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 855332 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-16-2025 Eligible | 1 | 11-16-2025 |
| 855344 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0231 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | -.0231 | 09-08-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  | xxxxxx | xxxxxx | -.0231 | xxxxxx | Low Risk | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855346 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.42 | 76.42 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855349 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-17-2025 |
| 855350 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.77 | 69.77 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-23-2025 |
| 855351 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.33 | 71.33 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 11-14-2025 |
| 855355 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 Eligible | 1 | 10-24-2025 |
| 855357 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 |
| 855358 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 855360 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-16-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.5 | 73.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855361 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 89.99 | 89.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855362 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | .1086 | 11-12-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 |
| 855364 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855365 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-18-2025 |
| 855366 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-16-2025 Eligible | 1 | 11-16-2025 |
| 855367 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.9 | 61.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-21-2025 Eligible | 1 | 10-21-2025 |
| 855368 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 |
| 855369 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 855370 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0417 | xxxxxx | 11-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-10-2025 |
| 855371 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855372 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 11-12-2025 |
| 855375 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.09 | 36.09 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 |
| 855377 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.42 | 63.42 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 855378 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-07-2025 |
| 855380 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.2 | 77.2 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 855381 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.9 | 66.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-20-2025 |
| 855382 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.11 | 51.11 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 Eligible | 1 | 11-03-2025 |
| 855385 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.3 | 62.3 | xxxxxx | xxxxxx | .0095 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0095 | 11-14-2025 | 1004 URAR |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 11-18-2025 |
| 855386 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 Eligible | 1.3 | 11-06-2025 |
| 855387 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-24-2025 Eligible |  |  |
| 855388 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 11-14-2025 |
| 855391 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-10-2025 |
| 855392 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-21-2025 |
| 855393 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 855397 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-31-2025 |
| 855398 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 |
| 855399 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 855401 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 Eligible | 1 | 10-27-2025 |
| 855402 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-29-2025 Eligible |  |  |
| 855403 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-20-2025 |
| 855404 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.96 | 61.96 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-08-2025 |
| 855405 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.87 | 79.87 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 |
| 855406 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 Eligible |  |  |
| 855423 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.79 | 78.79 | xxxxxx | xxxxxx | -.0172 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | xxxxxx | -.0172 | xxxxxx | Reasonable | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855668 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855737 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 Eligible | 2.5 | 12-15-2025 |
| 855778 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.56 | 66.56 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 Eligible | 2.1 | 11-17-2025 |
| 856318 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20.58 | 68.05 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0% | 11-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856322 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.71 | 60.71 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-08-2025 |
| 856324 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-21-2025 |
| 856325 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-24-2025 |
| 856326 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 |
| 856327 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856328 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | AsIs | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856330 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.25 | 45.25 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0.0 | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-07-2025 Eligible |  |  |
| 856331 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.36 | 50.36 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 0% | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856684 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.48 | 79.85 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-30-2025 Eligible | 1 | 10-30-2025 |

---

## Exhibit 99.16

**EXHIBIT 99.16**

**CLArifii llc ("clarifii") executive summary**

![](tm264015d1_ex99-16img001.jpg)

**EXECUTIVE SUMMARY**

**Verus 2026-2**

**By Clarifii LLC on January 23, 2026**

Verus 2026-2 Due Diligence Narrative Report – PagE \| 1

![](tm264015d1_ex99-16img001.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 485 Loans (the "Loans") originated by a correspondent lender and acquired by VMC Asset Pooler, LLC or its affiliates (the "Client") for the Verus 2026-2 transaction. The Loans referenced in this narrative report were reviewed between 05/2025 to 01/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;166 | &nbsp;&nbsp;34.23% | &nbsp;&nbsp;$86520078.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;74 | &nbsp;&nbsp;15.26% | &nbsp;&nbsp;$47007556.00 |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.41% | &nbsp;&nbsp;$1343750.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.62% | &nbsp;&nbsp;$4250887.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;240 | &nbsp;&nbsp;49.48% | &nbsp;&nbsp;$148710549.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**485** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$287832820.00** |

---

The Review consisted of a population of 485 Loans, with an aggregate principal balance of $287,832,820.00.

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

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

**LOAN** **SAMPLING**

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

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

![](tm264015d1_ex99-16img001.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;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |
| &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;Application Date |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap |
| &nbsp;&nbsp;ARM Subsequent Payment Change Frequency |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Cuban |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Mexican |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican |

---

Verus 2026-2 Due Diligence Narrative Report – PagE \| 3

![](tm264015d1_ex99-16img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview |
| &nbsp;&nbsp;Borrower 1 Fax or Mail |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Origination Equifax |
| &nbsp;&nbsp;Borrower 1 Origination Experian |
| &nbsp;&nbsp;Borrower 1 Origination FICO |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - American Indian or Alaska Native Desc |
| &nbsp;&nbsp;Borrower 1 Race - Asian |
| &nbsp;&nbsp;Borrower 1 Race - Asian Indian |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American |
| &nbsp;&nbsp;Borrower 1 Race - Chinese |
| &nbsp;&nbsp;Borrower 1 Race - Filipino |
| &nbsp;&nbsp;Borrower 1 Race - Guamanian or Chamorro |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - Japanese |
| &nbsp;&nbsp;Borrower 1 Race - Korean |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian or Other Pacific Islander |
| &nbsp;&nbsp;Borrower 1 Race - Other Asian |
| &nbsp;&nbsp;Borrower 1 Race - Other Pacific Islander |
| &nbsp;&nbsp;Borrower 1 Race - Samoan |
| &nbsp;&nbsp;Borrower 1 Race - Vietnamese |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |

---

Verus 2026-2 Due Diligence Narrative Report – PagE \| 4

![](tm264015d1_ex99-16img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Buyer Name |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;Condo Rider |
| &nbsp;&nbsp;Family Rider 1-4 |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Index Lookback Period |
| &nbsp;&nbsp;Index Rounding Factor |
| &nbsp;&nbsp;Initial Interest Rate |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Late Charge Grace Period |
| &nbsp;&nbsp;Late Charge Percent |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Originator Name |
| &nbsp;&nbsp;Loan Originator NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |

---

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

![](tm264015d1_ex99-16img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MERS Originated Mortgage |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium |
| &nbsp;&nbsp;Monthly Property Tax Amount |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Other Rider |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Calculation |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Prepayment Penalty Type |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;PUD Rider |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying HLTV |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |

---

Verus 2026-2 Due Diligence Narrative Report – PagE \| 6

![](tm264015d1_ex99-16img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA |
| &nbsp;&nbsp;Sales Price |
| &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 Product Name |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

Verus 2026-2 Due Diligence Narrative Report – PagE \| 7

![](tm264015d1_ex99-16img001.jpg)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

Verus 2026-2 Due Diligence Narrative Report – PagE \| 8

![](tm264015d1_ex99-16img001.jpg)

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

- the guidelines

Verus 2026-2 Due Diligence Narrative Report – PagE \| 9

![](tm264015d1_ex99-16img001.jpg)

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

**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)

Verus 2026-2 Due Diligence Narrative Report – PagE \| 10

![](tm264015d1_ex99-16img001.jpg)

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

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

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

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

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

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

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

**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).

Verus 2026-2 Due Diligence Narrative Report – PagE \| 11

![](tm264015d1_ex99-16img001.jpg)

**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.

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

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

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

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

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

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

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

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

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

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

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

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

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

Verus 2026-2 Due Diligence Narrative Report – PagE \| 12

![](tm264015d1_ex99-16img001.jpg)

---

| |
|:---|
| Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004). |
| Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167). |
| City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325. |
| Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007). |
| Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq. |

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- 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.

Verus 2026-2 Due Diligence Narrative Report – PagE \| 13

![](tm264015d1_ex99-16img001.jpg)

---

| |
|:---|
| 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.

&nbsp;&nbsp;&nbsp;&nbsp;· **Business Purpose Loan Compliance Review** 

- Non-Owner Occupied Declaration Disclosure

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

Verus 2026-2 Due Diligence Narrative Report – PagE \| 14

![](tm264015d1_ex99-16img001.jpg)

- Borrower's statement of purpose for the Loan. <br> - State License requirements when applicable <br> - State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO** **REPAY (ATR)**

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

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

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

Verus 2026-2 Due Diligence Narrative Report – PagE \| 15

![](tm264015d1_ex99-16img001.jpg)

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.

&nbsp;&nbsp;&nbsp;&nbsp;· **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.

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

**INDEPENDENT** **THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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:**

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

Verus 2026-2 Due Diligence Narrative Report – PagE \| 16

![](tm264015d1_ex99-16img001.jpg)

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files –<br> No Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or<br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA <br> or Acceptable<br> UCDP Risk Score** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;AVE/CMA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;208 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;241 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Enhanced Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 |

---

*One loan in the population is multi-property and is not included in the table above. Please refer to the Clarifii Multi-Property Reports for valuation details.* 

 

**DUE DILIGENCE** **GRADING CRITERIA** 

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

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

**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. |

---

Verus 2026-2 Due Diligence Narrative Report – PagE \| 17

![](tm264015d1_ex99-16img001.jpg)

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

Verus 2026-2 Due Diligence Narrative Report – PagE \| 18

![](tm264015d1_ex99-16img001.jpg)

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;366 | &nbsp;&nbsp;75.46% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;119 | &nbsp;&nbsp;24.54% |
| &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;**485** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;417 | &nbsp;&nbsp;85.98% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;68 | &nbsp;&nbsp;14.02% |
| &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;**485** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;485 | &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;**485** | &nbsp;&nbsp;**100.00%** |

---

Verus 2026-2 Due Diligence Narrative Report – PagE \| 19

![](tm264015d1_ex99-16img001.jpg)

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;428 | &nbsp;&nbsp;88.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;57 | &nbsp;&nbsp;11.75% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**485** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN** **SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;16 | &nbsp;&nbsp;3.30% | &nbsp;&nbsp;$17064520.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;469 | &nbsp;&nbsp;96.70% | &nbsp;&nbsp;$270768300.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**485** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$287832820.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;229 | &nbsp;&nbsp;47.22% | &nbsp;&nbsp;$157769021.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;13 | &nbsp;&nbsp;2.68% | &nbsp;&nbsp;$8748951.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;243 | &nbsp;&nbsp;50.10% | &nbsp;&nbsp;$121314848.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**485** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$287832820.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;235 | &nbsp;&nbsp;48.45% | &nbsp;&nbsp;$134269174.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;250 | &nbsp;&nbsp;51.55% | &nbsp;&nbsp;$153563646.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**485** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$287832820.00** |

---

Verus 2026-2 Due Diligence Narrative Report – PagE \| 20

![](tm264015d1_ex99-16img001.jpg)

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;457 | &nbsp;&nbsp;94.23% | &nbsp;&nbsp;$282390216.00 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;28 | &nbsp;&nbsp;5.77% | &nbsp;&nbsp;$5442604.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**485** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$287832820.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;300 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;$115000.00 |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.41% | &nbsp;&nbsp;$397500.00 |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.44% | &nbsp;&nbsp;$6809150.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;472 | &nbsp;&nbsp;97.32% | &nbsp;&nbsp;$280041320.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.62% | &nbsp;&nbsp;$469850.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**485** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$287832820.00** |

---

**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<br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;54 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;12 | &nbsp;&nbsp;58.33% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;ARM Subsequent Payment Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |

---

Verus 2026-2 Due Diligence Narrative Report – PagE \| 21

![](tm264015d1_ex99-16img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Ethnicity - Cuban | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Mexican | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Fax or Mail | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;470 | &nbsp;&nbsp;99.15% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;14 | &nbsp;&nbsp;476 | &nbsp;&nbsp;97.06% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination Equifax | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination Experian | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - American Indian or Alaska Native Desc | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian Indian | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Chinese | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Filipino | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Guamanian or Chamorro | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Japanese | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Korean | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian or Other Pacific Islander | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Other Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Other Pacific Islander | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Samoan | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |

---

Verus 2026-2 Due Diligence Narrative Report – PagE \| 22

![](tm264015d1_ex99-16img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Race - Vietnamese | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;8 | &nbsp;&nbsp;240 | &nbsp;&nbsp;96.67% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;16 | &nbsp;&nbsp;93.75% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Buyer Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;4 | &nbsp;&nbsp;49 | &nbsp;&nbsp;91.84% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;23 | &nbsp;&nbsp;72 | &nbsp;&nbsp;68.06% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;38 | &nbsp;&nbsp;49 | &nbsp;&nbsp;22.45% |
| &nbsp;&nbsp;Condo Rider | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Family Rider 1-4 | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;123 | &nbsp;&nbsp;91.87% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Lookback Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;1 | &nbsp;&nbsp;42 | &nbsp;&nbsp;97.62% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;8 | &nbsp;&nbsp;37.50% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;398 | &nbsp;&nbsp;99.50% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;28 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;13 | &nbsp;&nbsp;481 | &nbsp;&nbsp;97.30% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;115 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Late Charge Grace Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Late Charge Percent | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;398 | &nbsp;&nbsp;100.00% |

---

Verus 2026-2 Due Diligence Narrative Report – PagE \| 23

![](tm264015d1_ex99-16img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;17 | &nbsp;&nbsp;467 | &nbsp;&nbsp;96.36% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;485 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Originator Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Originator NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;4 | &nbsp;&nbsp;435 | &nbsp;&nbsp;99.08% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;485 | &nbsp;&nbsp;99.79% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;5 | &nbsp;&nbsp;8 | &nbsp;&nbsp;37.50% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;92 | &nbsp;&nbsp;98.91% |
| &nbsp;&nbsp;MERS Originated Mortgage | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;73 | &nbsp;&nbsp;91.78% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;393 | &nbsp;&nbsp;99.75% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;6 | &nbsp;&nbsp;482 | &nbsp;&nbsp;98.76% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;479 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Other Rider | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;94.12% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;11 | &nbsp;&nbsp;416 | &nbsp;&nbsp;97.36% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;102 | &nbsp;&nbsp;96.08% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;14 | &nbsp;&nbsp;484 | &nbsp;&nbsp;97.11% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;5 | &nbsp;&nbsp;480 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;3 | &nbsp;&nbsp;75 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;483 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;89 | &nbsp;&nbsp;431 | &nbsp;&nbsp;79.35% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;3 | &nbsp;&nbsp;480 | &nbsp;&nbsp;99.38% |
| &nbsp;&nbsp;PUD Rider | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |

---

Verus 2026-2 Due Diligence Narrative Report – PagE \| 24

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;374 | &nbsp;&nbsp;99.73% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;449 | &nbsp;&nbsp;97.55% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;11 | &nbsp;&nbsp;426 | &nbsp;&nbsp;97.42% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;364 | &nbsp;&nbsp;99.45% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;12 | &nbsp;&nbsp;461 | &nbsp;&nbsp;97.40% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;62 | &nbsp;&nbsp;328 | &nbsp;&nbsp;81.10% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;4 | &nbsp;&nbsp;10 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;10 | &nbsp;&nbsp;27 | &nbsp;&nbsp;62.96% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;190 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;9 | &nbsp;&nbsp;249 | &nbsp;&nbsp;96.39% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;364 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;452 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;3 | &nbsp;&nbsp;8 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;50 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

1. Narrative Report/Executive Summary

2. Attestation Forms

3. ASF Report

4. Rating Agency Grade Detail and Summary Report

5. Data Compare Report

6. Valuations Report

7. Rating Agency ATR/QM Report

8. Supplement Data Extract

9. Business Purpose Supplement Data Extract Report

10. Multi-Property Data Extract Report

11. Rating Agency Multi-Property Valuation Report

**Disclaimer**

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

 

Verus 2026-2 Due Diligence Narrative Report – PagE \| 25

![](tm264015d1_ex99-16img001.jpg)

 

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

 

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

 

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

 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2026 Clarifii LLC. All rights reserved.

Verus 2026-2 Due Diligence Narrative Report – PagE \| 26

## Exhibit 99.17

**EXHIBIT 99.17**

**clarifii rating agency grades detail report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 834912 | xxxxxx D A | Closed | xxxxxx | 2025-05-21 17:05 | 2025-11-14 12:49 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisals for REO 8, REO 10 and REO 16 with 1004d confirming all items addressed. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/13/2025 <br> Counter-REO 2- Received County Property Summary- confirming xxxxxx buildings – 1004 provided reflect xxxxxx units and confirm xxxxxx. <br> REO8-\* issues remain\* removed noted xxxxxx, but no value change? Prev appraisal showed adjustments for xxxxxx? No xxxxxx noted. xxxxxx not addressed? <br> REO10-\* issues remain\* Appraiser noted on revised appraisal repairs confirmed via 1004d dated 4/17. This report not included. xxxxxx not addressed? <br> REO-13-Appraiser addressed all concerns on updated appraisal. <br> REO 14- Appraiser addressed all concerns and indicated no health impact. <br> REO15- Appraiser addressed concerns. <br> REO 16- 1004d\* issues remain\* – Appraiser to address Unit xxxxxx and if same xxxxxx. xxxxxx concerns not address, 1004d still show xxxxxx. xxxxxx not addressed. <br>- Due Diligence Vendor-10/16/2025 <br> Open-[REO numbers below correlate to the lenders Cross Collateral work sheet ]<br> REO 2- Appraisal indicate subject property is a xxxxxx unit property. However, xxxxxx sketch support only Unit xxxxxx and Unit xxxxxx. Unit xxxxxx- xxxxxx<br> REO 8-Property is built in xxxxxx.Interior pictures indicate xxxxxx. Audit unable to confirm if xxxxxx is functional, and has no xxxxxx, or health and safety issue. Also, xxxxxx, audit unable to confirm if any potential safety and health issues. , Also appraisal indicate xxxxxx - xxxxxx. Subject property is a xxxxxx. <br> REO 10- Property built in xxxxxx. Unit xxxxxx covered, audit unable to confirm if any health concerns.; xxxxxx in the middle, audit unable to confirm if this meets safety codes. ; xxxxxx. Appraisal to confirm if meet safety and health codes.<br> REO 13- Property built in xxxxxx. Appraisal support xxxxxx unit, however xxxxxx and missing pictures of xxxxxx. Appraiser to confirm if meet safety codes and no potential safety concern, Exterior picture indicate xxxxxx only. Unit xxxxxx picture indicate xxxxxx. Missing appraiser comment to determine no safety concern. Unit xxxxxx. Unable to confirm if its a xxxxxx.<br> REO 14- Unit xxxxxx. Appraiser to confirm if this is heath hazard as property was built in xxxxxx.Also, appraisal indicate xxxxxx but missing interior picture and, exterior picture reflects restricted access.<br> REO 15- Appraisal indicate xxxxxx units. However, xxxxxx reflects xxxxxx. Appraiser to confirm why xxxxxx and to confirm xxxxxx supporting xxxxxx.<br> REO 16- Subject property is a xxxxxx built in xxxxxx. xxxxxx. Unable to confirm if any safety issues and is xxxxxx usable and safe. Unit xxxxxx - xxxxxx picture indicate xxxxxx. Safety and health issues. xxxxxx. This is not only a functional obsolesce and a safety hazard. Unit xxxxxx picture reflects xxxxxx, audit unable to confirm is this is same xxxxxx or wrong picture provided. xxxxxx picture indicate xxxxxx unable to confirm no safety and health issues. - Due Diligence Vendor-05/21/2025 |  | Resolved-Received revised appraisals for REO 8, REO 10 and REO 16 with 1004d confirming all items addressed. - Due Diligence Vendor-11/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 771 is at least 20 points above minimum for program<br>DSCR % greater than 1.20 - DSCR 1.46% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834912 | xxxxxx D A | Closed | xxxxxx | 2025-05-23 10:25 | 2025-06-18 14:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received confirmation from insurer units are accounted for. - Due Diligence Vendor-06/18/2025 <br> Ready for Review-Document Uploaded. Please see attached updated declarations for these properties. Please also see confirmation from the insurance carrier on pages 13-14 of the attached PDF that even though the declarations show coverage for xxxxxx unit, it is actually coverage for xxxxxx units. The print just shows xxxxxx due to space and they cannot fix it - Buyer-06/18/2025 <br> Counter-Properties: xxxxxx. (street numbers provided) - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Please provide street address for property so that I may investigate - I have no idea how to tell which property "REO xxxxxx" refers to. Please provide clarification - Buyer-06/03/2025 <br> Open-REO 10,14,15,16,22 are xxxxxx unit properties. However, HOI in file indicate policy for xxxxxx units. Provide clarification or an updated policy with sufficient coverage to meet guideline requirement. - Due Diligence Vendor-05/23/2025 |  | Resolved-Received confirmation from insurer units are accounted for. - Due Diligence Vendor-06/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 771 is at least 20 points above minimum for program<br>DSCR % greater than 1.20 - DSCR 1.46% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 834912 | xxxxxx D A | Closed | xxxxxx | 2025-05-21 16:09 | 2025-06-06 11:50 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the guidelines do not indicate the mortgages on credit need to be updated within 60 days of closing. - Due Diligence Vendor-06/06/2025 <br> Ready for Review-Reviewer is to review against xxxxxx DSCR guidelines - credit was pulled xxxxxx and Section 5B states "Gap credit reports are not required." - Seller-06/03/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Credit report reflects 2 active mortgages with last payment on xxxxxx. Does not meet guideline as greater than 60 days and subject transaction Note date xxxxxx. Provide proof of payment to support mortgage history requirement. - Due Diligence Vendor-05/21/2025 | Ready for Review-Reviewer is to review against xxxxxx DSCR guidelines - credit was pulled 2/14/25 and Section 5B states "Gap credit reports are not required." - Seller-06/03/2025<br>| Resolved-After further review, the guidelines do not indicate the mortgages on credit need to be updated within 60 days of closing. - Due Diligence Vendor-06/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 771 is at least 20 points above minimum for program<br>DSCR % greater than 1.20 - DSCR 1.46% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839669 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839816 | xxxxxx C A | Closed | xxxxxx | 2025-07-08 12:47 | 2025-07-17 15:35 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received documentation to support the zoning change. No longer xxxxxx. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/11/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Per purchase contract the subject is xxxxxx zoned. Per guideline section 10.9, Agricultural properties are NOT eligible. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/11/2025<br>| Resolved-Received documentation to support the zoning change. No longer xxxxxx. - Due Diligence Vendor-07/17/2025 | Long term residence - Borrower own primary residence from the past 20 years.<br>Months Reserves exceed minimum required - 32.39 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839816 | xxxxxx C A | Closed | xxxxxx | 2025-07-08 12:52 | 2025-07-17 15:35 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received documentation to support the zoning change. No longer xxxxxx.<br> - Due Diligence Vendor-07/17/2025 <br> Open-purchase contract and title both show deed restrictions for being xxxxxx zoned but appraisal does not reflect; appraiser to correct/comment and note which comps share similar zoning. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received documentation to support the zoning change. No longer xxxxxx.<br> - Due Diligence Vendor-07/17/2025 | Long term residence - Borrower own primary residence from the past 20 years.<br>Months Reserves exceed minimum required - 32.39 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839816 | xxxxxx C A | Closed | xxxxxx | 2025-07-08 12:49 | 2025-07-17 15:33 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Property | Resolved-Received documentation to support the zoning change. No longer xxxxxx. - Due Diligence Vendor-07/17/2025 <br> Ready for Review-The property is a xxxxxx. Per the county the property is no longer an xxxxxx. See the appraisal for details. - Seller-07/11/2025 <br> Open-Per purchase contract the subject is xxxxxx zoned. Per guideline section 10.9, Agricultural properties are NOT eligible. - Due Diligence Vendor-07/08/2025 | Ready for Review-The property is a xxxxxx. Per the county the property is no longer an xxxxxx. See the appraisal for details. - Seller-07/11/2025 | Resolved-Received documentation to support the zoning change. No longer xxxxxx. - Due Diligence Vendor-07/17/2025 | Long term residence - Borrower own primary residence from the past 20 years.<br>Months Reserves exceed minimum required - 32.39 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842444 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 14:32 | 2025-10-01 15:03 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Client waiver applied to non-material finding with compensating factors. Proof the borrower did not enter the xxxxxx to sign docs provided. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-The condition came back with no comments in xxxxxx or xxxxxx. This is a credit condition and xxxxxx has approved an exception for this. Please see attached passport along with Visa application. Exception approval had already been sent. <br>- Seller-09/24/2025 <br> Counter-Waiver is not eligible for citizenship documentation-must provide application for extension and approval. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/18/2025 <br> Open-Borrower Citizenship Documentation Is Missing File contain passport and expired Visa. Does not meet guideline requirement of Copy of the borrower's valid and unexpired visa (including photograph) OR an I-797 form with valid extension dates and I-94. File contain an exception for current Visa application pending for Student. - Due Diligence Vendor-09/08/2025 | Ready for Review-The condition came back with no comments in xxxxxx or xxxxxx. This is a credit condition and xxxxxx has approved an exception for this. Please see attached passport along with Visa application. Exception approval had already been sent. <br>- Seller-09/24/2025 | Waived-Client waiver applied to non-material finding with compensating factors. Proof the borrower did not enter the xxxxxx to sign docs provided. - Due Diligence Vendor-10/01/2025 | LTV is less than guideline maximum - LTV 60% is less than the guideline maximum <br>Months Reserves exceed minimum required - Months Reserves 14 mos exceed minimum required. | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines.<br> Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842444 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 13:07 | 2025-09-29 12:25 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM clearance. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. SAMs search reuploaded. The report provided shows that xxxxxx cleared the finding. The possible match has the incorrect name and state. The name is not an exact match. The seller provided the SAM search result showing "No Match" to suffice this condition. - Seller-09/26/2025 <br> Counter-Received duplicate fraud report-Provide SAM clearance for Other Individual reflecting on fraud report - Due Diligence Vendor-09/24/2025 <br> Counter-Provide SAM clearance for Other Individual reflecting on fraud report - Due Diligence Vendor-09/18/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing fraud report. Guideline require only member(s)/manager(s) of an entity providing a guaranty are required to be included in the <br> fraud report. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. SAMs search reuploaded. The report provided shows that xxxxxx cleared the finding. The possible match has the incorrect name and state. The name is not an exact match. The seller provided the SAM search result showing "No Match" to suffice this condition. - Seller-09/26/2025 | Resolved-Received SAM clearance. - Due Diligence Vendor-09/29/2025<br>| LTV is less than guideline maximum - LTV 60% is less than the guideline maximum <br>Months Reserves exceed minimum required - Months Reserves 14 mos exceed minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842444 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 11:47 | 2025-09-26 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-title received. - Due Diligence Vendor-09/26/2025 <br> Counter-Received 24 month chain of title - missing preliminary title report. - Due Diligence Vendor-09/24/2025 <br> Counter-24 month chain of title must come from title or closing attorney. - Due Diligence Vendor-09/18/2025 <br> Open-Title Document is missing Provide complete title with 24 month chain of title. - Due Diligence Vendor-09/08/2025 |  | Resolved-title received. - Due Diligence Vendor-09/26/2025<br>| LTV is less than guideline maximum - LTV 60% is less than the guideline maximum <br>Months Reserves exceed minimum required - Months Reserves 14 mos exceed minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842444 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 13:38 | 2025-09-18 13:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Acreage exceeds guidelines | Waived-Client waiver applied to non-material finding with compensating factors - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/18/2025 <br> Open-Appraisal reflects property location xxxxxx, property is not Rural but is > 2 Acres. Exception in file for property >2 acres. - Due Diligence Vendor-09/08/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors - Due Diligence Vendor-09/18/2025<br>| LTV is less than guideline maximum - LTV 60% is less than the guideline maximum <br>Months Reserves exceed minimum required - Months Reserves 14 mos exceed minimum required. | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines.<br> Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842444 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 13:28 | 2025-09-18 13:09 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received confirmation source of funds from xxxxxx account Interactive. - Due Diligence Vendor-09/18/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Statement in file from xxxxxx does not meet guideline as missing account number. Also, funds to close from other stock accounts does not meet guideline as require one of the following:<br> • Transferred to a xxxxxx domiciled account in the borrower's name at least ten (10) days prior to closing unless funds are held in a foreign bank with xxxxxx branches insured by the FDIC; or<br> • Verified funds for closing to be wired directly to the closing agent prior to or as of the consummation date (Note date). Wire transfer to include bank name, accountholder name, and account number. Bank used as source of wire transfer must match the bank holding the assets verified in the loan.<br> - Due Diligence Vendor-09/08/2025 |  | Resolved-Received confirmation source of funds from xxxxxx account Interactive. - Due Diligence Vendor-09/18/2025 | LTV is less than guideline maximum - LTV 60% is less than the guideline maximum <br>Months Reserves exceed minimum required - Months Reserves 14 mos exceed minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842444 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 13:07 | 2025-09-18 12:50 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received fraud report. OFAC Check Completed and Cleared - Due Diligence Vendor-09/18/2025 <br> Open-OFAC Check Not Completed and/or Cleared Missing fraud report. Guideline require only member(s)/manager(s) of an entity providing a guaranty are required to be included in the <br> fraud report. - Due Diligence Vendor-09/08/2025 |  | Resolved-Received fraud report. OFAC Check Completed and Cleared - Due Diligence Vendor-09/18/2025<br>| LTV is less than guideline maximum - LTV 60% is less than the guideline maximum <br>Months Reserves exceed minimum required - Months Reserves 14 mos exceed minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842444 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 13:07 | 2025-09-18 12:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-09/18/2025 <br> Open-Missing Third Party Fraud Report Missing fraud report. Guideline require only member(s)/manager(s) of an entity providing a guaranty are required to be included in the <br> fraud report. - Due Diligence Vendor-09/08/2025 |  | Resolved-Received fraud report. - Due Diligence Vendor-09/18/2025<br>| LTV is less than guideline maximum - LTV 60% is less than the guideline maximum <br>Months Reserves exceed minimum required - Months Reserves 14 mos exceed minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844575 | xxxxxx C A | Closed | xxxxxx | 2025-09-11 11:59 | 2025-10-10 16:51 | Resolved | 1 - Information C A | Credit | Borrower | Fraud: Potential Occupancy/Current Address Issues identified in the file | Resolved-Received LOE confirming error on form. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/09/2025 <br> Open-Contact Consent form (pdf 338) identifies subject property as the borrowers' mailing address. Transaction submitted as purchase of investment property by foreign nationals. Letter of explanation required by both borrowers as to why mailing address has the subject address added. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-10/09/2025<br>| Resolved-Received LOE confirming error on form. - Due Diligence Vendor-10/10/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.966; min DSCR 0.00.<br>Months Reserves exceed minimum required - 6.89 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844641 | xxxxxx D A | Closed | xxxxxx | 2025-10-06 13:25 | 2025-10-13 15:47 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/09/2025 <br> Open-Missing secondary valuation - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/09/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-10/13/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.914<br>Months Reserves exceed minimum required - 36.77 mos reserves; 6 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844855 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844890 | xxxxxx D A | Closed | xxxxxx | 2025-09-16 15:00 | 2025-10-10 16:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received complete HOI policy. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/09/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing policy number - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/09/2025<br>| Resolved-Received complete HOI policy. - Due Diligence Vendor-10/10/2025<br>| Months Reserves exceed minimum required - 9.22 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 59.42% max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844893 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845164 | xxxxxx D A | Closed | xxxxxx | 2025-09-17 12:41 | 2025-09-22 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-09/22/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing business purpose disclosure. - Due Diligence Vendor-09/17/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-09/22/2025<br>| Months Reserves exceed minimum required - Reserves = 86.6 months – Required Reserves = 2 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 731 Min FICO = 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845234 | xxxxxx C B A | Closed | xxxxxx | 2025-10-02 11:36 | 2025-10-03 15:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow no original note . Non-material waiver applied with comp factors. Deemed non-material due to have VOM and original mortgage - Due Diligence Vendor-10/03/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing copy of note for subject property, only VOM provided. - Due Diligence Vendor-10/02/2025 |  | Waived-Originator exception granted to allow no original note . Non-material waiver applied with comp factors. Deemed non-material due to have VOM and original mortgage - Due Diligence Vendor-10/03/2025<br>| LTV is less than guideline maximum - LTV 62.67% max 65%.<br>Months Reserves exceed minimum required - 39.43 months PITIA reserves; 6 months reserves required. | 62% LTV<br> Over 12 months reserves | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 845412 | xxxxxx D A | Closed | xxxxxx | 2025-10-22 14:02 | 2025-10-24 10:19 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received field review. - Due Diligence Vendor-10/24/2025 <br> Open--Missing Secondary Valuation or Additional Valuation per securitization requirements - Due Diligence Vendor-10/22/2025 |  | Resolved-Received field review. - Due Diligence Vendor-10/24/2025<br>| Months Reserves exceed minimum required - Reserves are 34 mo's vs program min of 2 mo's. <br>Qualifying FICO score is at least 20 points above minimum for program - Score is 733 vs program min of 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845511 | xxxxxx C B A | Closed | xxxxxx | 2025-10-14 13:45 | 2025-10-21 10:27 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-10/21/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-10/15/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-10/21/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x17 mos satisfactory VOM on subj per Pg 538<br>LTV is less than guideline maximum - max ltv 60% current ltv 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845511 | xxxxxx C B A | Closed | xxxxxx | 2025-10-15 17:27 | 2025-10-15 17:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-10/15/2025 <br> Open-Exception in file: Per condo questionnaire only xxxxxx of xxxxxx units or 32.14% have been sold and closed. Guidelines require that 50% of the total units in the project or subject's phase must be sold and conveyed to the unit owners. Additionally project is not 100% complete - Due Diligence Vendor-10/15/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-10/15/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x17 mos satisfactory VOM on subj per Pg 538<br>LTV is less than guideline maximum - max ltv 60% current ltv 50% | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Transaction is a rate and term refinance<br> Reserves exceed requirement by 6 months or more<br> Total debt payment reduced more than $200 per month | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 845985 | xxxxxx B A | Closed | xxxxxx | 2025-08-22 14:13 | 2025-08-22 14:39 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-08/22/2025 <br> Open-xxxxxx held in an entity such as LLC, LP or Trust - Due Diligence Vendor-08/22/2025 |  | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-08/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 722 with required 640<br>DSCR % greater than 1.20 - DSCR 1.68 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 846175 | xxxxxx C A | Closed | xxxxxx | 2025-10-31 17:48 | 2025-11-07 11:22 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/07/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description is missing from DOT. - Due Diligence Vendor-10/31/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - 2 months reserves PITIA required and the borrower has 17.65 months.<br>On time mortgage history exceeds guideline requirement - mortgage history allows for 1x30 and the borrower has 0 x 30 in the last 12 months from all mortgages. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846388 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846468 | xxxxxx D B A | Closed | xxxxxx | 2025-09-11 13:16 | 2025-10-15 16:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator waiver applied to non-material finding with compensating factors- to allow for all 12 month mortgage statements in lieu of VOM - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Counter-As per guidelines receive-VOM required. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. 12 months payment history is an acceptable verification of mortgage payments - Seller-10/09/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOM required by guidelines for current mortgage with xxxxxx Bank. Mortgage statements provided evidencing payments from 10/0/2024 thru 7/25 for 10 months. However, VOM required. Additional findings may apply. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Ready for Review-Document Uploaded. 12 months payment history is an acceptable verification of mortgage payments - Seller-10/09/2025 | Waived-Originator waiver applied to non-material finding with compensating factors- to allow for all 12 month mortgage statements in lieu of VOM - Due Diligence Vendor-10/15/2025<br>| LTV is less than guideline maximum - LTV 51.09%; max 65%.<br>Months Reserves exceed minimum required - 9.52 months PITIA reserves; 6 months reserves required. | 6 months reserves required per guides, borrower having 12 months reserves<br> 52% LTV, max allowed is 65% | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 846468 | xxxxxx D B A | Closed | xxxxxx | 2025-09-11 13:17 | 2025-10-10 16:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received LOE for xxxxxx Address. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/09/2025 <br> Open-Missing LOX for mailing address of xxxxxx used on contact consent form. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-10/09/2025<br>| Resolved-Received LOE for xxxxxx Address. - Due Diligence Vendor-10/10/2025 | LTV is less than guideline maximum - LTV 51.09%; max 65%.<br>Months Reserves exceed minimum required - 9.52 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846468 | xxxxxx D B A | Closed | xxxxxx | 2025-09-11 13:17 | 2025-10-10 16:48 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received corrected final 1003 - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. - Seller-10/09/2025 <br>Open-Missing a city on both borrowers' 1003s as required by guidelines. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-10/09/2025<br>| Resolved-Received corrected final 1003 - Due Diligence Vendor-10/10/2025<br>| LTV is less than guideline maximum - LTV 51.09%; max 65%.<br>Months Reserves exceed minimum required - 9.52 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846473 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846855 | xxxxxx C B A | Closed | xxxxxx | 2025-09-26 09:48 | 2025-10-09 17:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator provided a waiver escrow waive., applied to non material finding with reviewed comp factors - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Counter-Finding is for impounds for a Foreign Nation. Waiver is required if not impounded. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. Please review the guidelines - there is no adjustment on FN for declining market. - Seller-10/02/2025 <br> Open-Foreign National escrows cannot be waived.<br> We would need a lender exception. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025 <br>Ready for Review-Document Uploaded. Please review the guidelines - there is no adjustment on FN for declining market. - Seller-10/02/2025<br>| Waived-Originator provided a waiver escrow waive., applied to non material finding with reviewed comp factors - Due Diligence Vendor-10/09/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.02; minimum DSCR 0.00<br>Months Reserves exceed minimum required - 143.91 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 846893 | xxxxxx C B A | Closed | xxxxxx | 2025-05-22 12:03 | 2025-05-22 13:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted to allow Foreign National with LTV of 75% with DSCR < 1.20, Non-material waiver applied with comp factors. - Due Diligence Vendor-05/22/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% EXCEPTION REQUEST: DSCR less than 1.2 at 75% LTV (APPROVED) - Due Diligence Vendor-05/22/2025 |  | Waived-Originator exception granted to allow Foreign National with LTV of 75% with DSCR < 1.20, Non-material waiver applied with comp factors.- Due Diligence Vendor-05/22/2025 | Long term residence - 4+ years in primary residence<br>Months Reserves exceed minimum required - 0 reserves required, borrower has 12.96 documented | 3+ months reserves<br> 4+ years in primary residence | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 846901 | xxxxxx C B A | Closed | xxxxxx | 2025-08-22 16:07 | 2025-08-22 17:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow. Desk review further supports value and appraisal contains minimal adjustments. - Due Diligence Vendor-12/11/2025 <br>Open-Exception to have an appraisal transfer letter dated more than 60 days from the appraisal - Due Diligence Vendor-08/22/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow. Desk review further supports value and appraisal contains minimal adjustments. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 746<br>Months Reserves exceed minimum required - 18 mths reserves; 0 mths required. | LTV is 5% less than max<br> FICO is 10+ more than minimum | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 846901 | xxxxxx C B A | Closed | xxxxxx | 2025-08-22 15:56 | 2025-08-22 17:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/22/2025 <br> Open-The Calculated DSCR of '0.841' is less than the minimum DSCR per lender guidelines of '1'. EXCEPTION in file for DSCR to be below a 1.0 ratio for a non warrantable condo - Due Diligence Vendor-08/22/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 746<br>Months Reserves exceed minimum required - 18 mths reserves; 0 mths required. | Fico score is 20 points above minimum<br> LTV is 5% below maximum | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 846929 | xxxxxx C B A | Closed | xxxxxx | 2025-10-07 07:53 | 2025-10-22 10:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Client exception granted for DSCR score, waiver applied with compactors. - Due Diligence Vendor-10/22/2025 <br>Open-The Calculated DSCR of '1.237' is less than the minimum DSCR per lender guidelines of '1.25'. Guidelines require loan amounts ≤ $150,000 require a minimum DSCR of 1.25. - Due Diligence Vendor-10/07/2025 |  | Waived-Client exception granted for DSCR score, waiver applied with compactors. - Due Diligence Vendor-10/22/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20. DSCR is 1.237%<br>LTV is less than guideline maximum - LTV is 48.39% and max allowed is 70% | 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Current primary home ownership > 5 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 846929 | xxxxxx C B A | Closed | xxxxxx | 2025-10-07 07:53 | 2025-10-08 14:04 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx has issues | Resolved-Upon further review, appraiser does not state an issue with the xxxxxx. - Due Diligence Vendor-10/08/2025 <br> Open-xxxxxx has issues. Originator to provide Certification that subject meets state xxxxxx requirements. (appraiser did not comment). - Due Diligence Vendor-10/07/2025 |  | Resolved-Upon further review, appraiser does not state an issue with the xxxxxx. - Due Diligence Vendor-10/08/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20. DSCR is 1.237%<br>LTV is less than guideline maximum - LTV is 48.39% and max allowed is 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846983 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 847156 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847176 | xxxxxx D B A | Closed | xxxxxx | 2025-10-28 08:16 | 2025-11-03 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-11/03/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Required per guidelines. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-11/03/2025<br>| Months Reserves exceed minimum required - >43 months available vs. 2 required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.123 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847176 | xxxxxx D B A | Closed | xxxxxx | 2025-10-28 08:18 | 2025-11-03 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax cert. - Due Diligence Vendor-11/03/2025 <br>Open-Missing Evidence of Property Tax Missing Lender's calculation. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received property tax cert. - Due Diligence Vendor-11/03/2025<br>| Months Reserves exceed minimum required - >43 months available vs. 2 required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.123 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847176 | xxxxxx D B A | Closed | xxxxxx | 2025-10-28 08:51 | 2025-10-29 09:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client exception granted First Time investor with FICO <700 waiver applied with compactors - Due Diligence Vendor-10/29/2025 <br>Open-Audited FICO of 693 is less than Guideline FICO of 700 The 1008 states an exception was granted, but the exception was not noted in the file. - Due Diligence Vendor-10/28/2025 |  | Waived-Client exception granted First Time investor with FICO <700 waiver applied with compactors - Due Diligence Vendor-10/29/2025<br>| Months Reserves exceed minimum required - >43 months available vs. 2 required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.123 | Home Ownership: Current primary home ownership >5 years<br> Reserves exceed requirement by 10 months or more<br> DSCR >1.15 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 847176 | xxxxxx D B A | Closed | xxxxxx | 2025-10-24 16:47 | 2025-10-29 09:43 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received confirmation of 60 month Prepay. Per originator: Seller is accepting the 60 month PPP, nothing will need to changed or re-recorded. <br> - Due Diligence Vendor-10/29/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '36' Diligence value '60'. Per note addendum, prepayment term is 60 months - Due Diligence Vendor-10/24/2025 |  | Resolved-Received confirmation of 60 month Prepay. Per originator: Seller is accepting the 60 month PPP, nothing will need to changed or re-recorded. <br> - Due Diligence Vendor-10/29/2025<br>| Months Reserves exceed minimum required - >43 months available vs. 2 required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.123 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847536 | xxxxxx D A C | Closed | xxxxxx | 2025-10-27 14:25 | 2025-11-21 13:32 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-xxxxxx units were occupied by renters with deposits on the borrower's bank statement. Letters of explanation provided in file addressing discrepancies. VOR in file reflecting borrower living in xxxxxx. - Due Diligence Vendor-11/21/2025 <br> Counter-Occupancy to be validated. Per 1003 borrower has been residing in xxxxxx for over 2 years. Credit does not reflect the borrower has been residing in xxxxxx. It does not show any presence whatsoever in the state of xxxxxx. VOR alone is not sufficient to substantiate primary occupancy in xxxxxx. Subject was acquired via quitclaim from family and appraisal has an occupied unit which is not tenant occupied. Additional findings may apply - Due Diligence Vendor-11/12/2025 <br> Ready for Review-this is not required per guidelines - borrower provided VOR which is sufficient proof of housing history as per the guidelines - please clear - Seller-11/11/2025 <br> Open-Per 1003 borrower has been residing in xxxxxx for over 2 years. Credit does not reflect the borrower has been residing in xxxxxx. It does not show any presence whatsoever in the state of xxxxxx. VOR alone is not sufficient to substantiate primary occupancy in xxxxxx. Subject was acquired via quitclaim from family and appraisal has an occupied unit which is not tenant occupied. Additional findings may apply - Due Diligence Vendor-10/27/2025 | Ready for Review-this is not required per guidelines - borrower provided VOR which is sufficient proof of housing history as per the guidelines - please clear - Seller-11/11/2025<br>| Resolved-xxxxxx units were occupied by renters with deposits on the borrower's bank statement. Letters of explanation provided in file addressing discrepancies. VOR in file reflecting borrower living in xxxxxx. - Due Diligence Vendor-11/21/2025 | Months Reserves exceed minimum required - 74.7 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 726; minimum score 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847536 | xxxxxx D A C | Closed | xxxxxx | 2025-10-27 14:20 | 2025-11-21 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease with verification of rental payments (3 months) were in file. - Due Diligence Vendor-11/21/2025 <br> Counter-Received previous lease for xxxxxx. Received LOE indicating mother (previous owner) does not reside in subject but no supporting documentation received. LOE indicates lease format in use with previous owner-provide confirmation leases are valid. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/11/2025 <br> Open-Lease agreements received. Borrower is not the landlord on the leases. P&L and appraisal show no Property Management Fees. Landlord is the previous owner who quitclaimed the property to the borrower in xxxxxx and who appears to be residing in the property and is related to the borrower. Lease for Unit xxxxxx is effective xxxxxx but shows rents received in June and July; provide previous lease and explanation of relationship from tenant to borrower's landlord in xxxxxx. Additional findings may apply. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-11/11/2025<br>| Resolved-Lease with verification of rental payments (3 months) were in file. - Due Diligence Vendor-11/21/2025 | Months Reserves exceed minimum required - 74.7 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 726; minimum score 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847536 | xxxxxx D A C | Closed | xxxxxx | 2025-10-27 14:22 | 2025-11-21 13:00 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Per the guidelines the Borrower should provide the cause of vacancy (Letter of Explanation), which was provided. - Due Diligence Vendor-11/21/2025 <br> Counter-Received LOE and no supporting documentation-missing (2) why there is no executed lease (3) unit is considered vacant since it is not rented and requires evidence the unit is actively marketed for rent with screenshot or other documentation (4) additional findings may apply. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. unit xxxxxx is vacant as per the documentation in the fil - please clear - Seller-11/11/2025 <br> Open-Unit xxxxxx in the xxxxxx is occupied but is not tenant occupied and has no lease. Provide (1) letter of explanation detailing who is occupying the unit (2) why there is no executed lease (3) unit is considered vacant since it is not rented and requires evidence the unit is actively marketed for rent with screenshot or other documentation (4) additional findings may apply. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. unit xxxxxx is vacant as per the documentation in the fil - please clear - Seller-11/11/2025 | Resolved-Per the guidelines the Borrower should provide the cause of vacancy (Letter of Explanation), which was provided. - Due Diligence Vendor-11/21/2025<br>| Months Reserves exceed minimum required - 74.7 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 726; minimum score 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847536 | xxxxxx D A C | Closed | xxxxxx | 2025-10-27 13:46 | 2025-11-20 12:30 | Resolved | 1 - Information C A | Property | Appraisal | 1004D Completion Report is not on an as-is basis | Resolved-Per xxxxxx, xxxxxx only is required, an xxxxxx is not required. appraiser states the xxxxxx. Appraiser states xxxxxx are installed. - Due Diligence Vendor-11/20/2025 <br> Counter-xxxxxx is required-Provide 1004D showing Building xxxxxx Unit #xxxxxx. Unit only has a xxxxxx. Additional findings may apply. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-a xxxxxx is sufficient as per xxxxxx - this is not a xxxxxx - Seller-11/11/2025 <br> Open-Provide 1004D showing Building xxxxxx Unit xxxxxx. Unit only has a xxxxxx. Additional findings may apply. - Due Diligence Vendor-10/27/2025 | Ready for Review-a xxxxxx is sufficient as per xxxxxx - this is not a xxxxxx - Seller-11/11/2025 | Resolved-Per xxxxxx, a xxxxxx. appraiser states the xxxxxx. Appraiser states xxxxxx. - Due Diligence Vendor-11/20/2025 | Months Reserves exceed minimum required - 74.7 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 726; minimum score 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847536 | xxxxxx D A C | Closed | xxxxxx | 2025-10-27 13:43 | 2025-11-20 12:15 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Per xxxxxx, xxxxxx. appraiser states the xxxxxx. Appraiser states xxxxxx are installed. - Due Diligence Vendor-11/20/2025 <br> Counter-Received confirmation xxxxxx confirmed by appraiser. xxxxxx finding remains - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. 1) xxxxxx; 2) unit xxxxxx - see attached snip with highlighted text from appraisal; 3) see snip from appraisal with highlighted text - Seller-11/11/2025 <br> Open-Appraisal issues : 1) xxxxxx. 2) provide photo of xxxxxx. 3) appraiser to confirm if subject has been listed for the most recent 12 months; must provide listing days; additional conditions may apply. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. 1) xxxxxx; 2) unit xxxxxx - see attached snip with highlighted text from appraisal; 3) see snip from appraisal with highlighted text - Seller-11/11/2025 | Resolved-Per xxxxxx, xxxxxx. appraiser states the xxxxxx. Appraiser states xxxxxx. - Due Diligence Vendor-11/20/2025 | Months Reserves exceed minimum required - 74.7 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 726; minimum score 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847601 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847648 | xxxxxx D B A | Closed | xxxxxx | 2025-10-08 14:11 | 2025-10-20 10:03 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received revised, correct Note-fully amortizing, no balloon-30 yr fixed. - Due Diligence Vendor-10/20/2025 <br> Open-There are Issues Present on the Note that must be addressed. Note has 30 month term with 60 month prepayment penalty. Initial Interest Only Payment Period is blank. P&I Payment Period is also blank. - Due Diligence Vendor-10/08/2025 |  | Resolved-Received revised, correct Note-fully amortizing, no balloon-30 yr fixed. - Due Diligence Vendor-10/20/2025<br>| LTV is less than guideline maximum - 72.86% LTV is less than guideline max of 80%<br>Long term residence - 11 years per application |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847648 | xxxxxx D B A | Closed | xxxxxx | 2025-10-09 09:03 | 2025-10-20 10:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Credit report received, fico meets guides. - Due Diligence Vendor-10/16/2025 <br>Open-Audited FICO of is less than Guideline FICO of 700 Missing credit report. Additional findings may apply - Due Diligence Vendor-10/09/2025 |  | Resolved-Credit report received, fico meets guides. - Due Diligence Vendor-10/16/2025<br>| LTV is less than guideline maximum - 72.86% LTV is less than guideline max of 80%<br>Long term residence - 11 years per application |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847648 | xxxxxx D B A | Closed | xxxxxx | 2025-10-09 14:43 | 2025-10-20 10:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received 30 day bank statement. - Due Diligence Vendor-10/16/2025 <br> Counter-Received waiver for 2 months reserves-missing complete 30 day statement for account xxxxxxxx - Due Diligence Vendor-10/14/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-10/09/2025 |  | Resolved-Received 30 day bank statement. - Due Diligence Vendor-10/16/2025<br>| LTV is less than guideline maximum - 72.86% LTV is less than guideline max of 80%<br>Long term residence - 11 years per application |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847648 | xxxxxx D B A | Closed | xxxxxx | 2025-10-09 14:05 | 2025-10-20 09:50 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-After further review, the Note does not indicate this is a balloon. - Due Diligence Vendor-10/13/2025 <br> Open-Per Note, loan is a balloon loan and not eligible. Per guidelines, eligible products are Fixed Rate: Terms 15, 30, 40-years • 5/6 ARM, 7/6 ARM, 10/6 ARM with 30-year term - Due Diligence Vendor-10/09/2025 |  | Resolved-After further review, the Note does not indicate this is a balloon. - Due Diligence Vendor-10/13/2025<br>| LTV is less than guideline maximum - 72.86% LTV is less than guideline max of 80%<br>Long term residence - 11 years per application |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847648 | xxxxxx D B A | Closed | xxxxxx | 2025-10-08 14:33 | 2025-10-16 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Latest/Final Application Document | Resolved-1003 received. - Due Diligence Vendor-10/16/2025 <br>Open-Latest application absent from file, included app does not have declarations section. - Due Diligence Vendor-10/08/2025 |  | Resolved-1003 received. - Due Diligence Vendor-10/16/2025<br>| LTV is less than guideline maximum - 72.86% LTV is less than guideline max of 80%<br>Long term residence - 11 years per application |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847648 | xxxxxx D B A | Closed | xxxxxx | 2025-10-09 08:34 | 2025-10-16 11:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Document Uploaded. Property report on primary provided confirming the property is free and clear. - Due Diligence Vendor-10/16/2025 <br>Open-Missing mortgage payment history on primary residence - Due Diligence Vendor-10/09/2025 |  | Resolved-Document Uploaded. Property report on primary provided confirming the property is free and clear. - Due Diligence Vendor-10/16/2025<br>| LTV is less than guideline maximum - 72.86% LTV is less than guideline max of 80%<br>Long term residence - 11 years per application |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847648 | xxxxxx D B A | Closed | xxxxxx | 2025-10-09 08:34 | 2025-10-16 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Credit report received. - Due Diligence Vendor-10/16/2025 <br>Open-Borrower 1 Credit Report is Missing. Additional conditions may apply - Due Diligence Vendor-10/09/2025 |  | Resolved-Credit report received. - Due Diligence Vendor-10/16/2025<br>| LTV is less than guideline maximum - 72.86% LTV is less than guideline max of 80%<br>Long term residence - 11 years per application |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847648 | xxxxxx D B A | Closed | xxxxxx | 2025-10-09 14:39 | 2025-10-16 10:23 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received Bank statement. - Due Diligence Vendor-10/16/2025 <br> Counter-Received EMD documentation-missing complete 30 day bank statement for xxxxxxxx - Due Diligence Vendor-10/14/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-8467.36'. Assets are Insufficient. - Due Diligence Vendor-10/09/2025 |  | Resolved-Received Bank statement. - Due Diligence Vendor-10/16/2025<br>| LTV is less than guideline maximum - 72.86% LTV is less than guideline max of 80%<br>Long term residence - 11 years per application |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847648 | xxxxxx D B A | Closed | xxxxxx | 2025-10-09 08:49 | 2025-10-16 10:19 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received EMD receipt. - Due Diligence Vendor-10/16/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Missing Earnest money source and transfer - Due Diligence Vendor-10/09/2025 |  | Resolved-Received EMD receipt. - Due Diligence Vendor-10/16/2025<br>| LTV is less than guideline maximum - 72.86% LTV is less than guideline max of 80%<br>Long term residence - 11 years per application |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847648 | xxxxxx D B A | Closed | xxxxxx | 2025-10-09 14:40 | 2025-10-14 10:51 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received Gift letter - Due Diligence Vendor-10/14/2025 <br> Open-Missing Gift Letter for $30,000 - Due Diligence Vendor-10/09/2025 |  | Resolved-Received Gift letter - Due Diligence Vendor-10/14/2025<br>| LTV is less than guideline maximum - 72.86% LTV is less than guideline max of 80%<br>Long term residence - 11 years per application |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847648 | xxxxxx D B A | Closed | xxxxxx | 2025-10-08 14:12 | 2025-10-13 09:18 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material finding. Prepay in xxxxxx to an LLC. - Due Diligence Vendor-10/13/2025 <br> Open-Property is located in xxxxxx and vested in LLC with prepayment penalty, which is not allowable per state guidelines. - Due Diligence Vendor-10/08/2025 |  | Waived-Client waiver applied to non-material finding. Prepay in xxxxxx to an LLC. - Due Diligence Vendor-10/13/2025 | LTV is less than guideline maximum - 72.86% LTV is less than guideline max of 80%<br>Long term residence - 11 years per application |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 847733 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847737 | xxxxxx D A C | Closed | xxxxxx | 2025-09-18 10:32 | 2026-01-12 08:44 | 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-01/12/2026 <br>Resolved-The lender guides indicate when tax return transcripts do not provide the details required to establish qualifying income, copies of the actual tax returns, schedules, or forms will be required. In this case they provided the 2023 business returns and the 2023 personal transcripts verifies all income used to qualify, W2 and business income. - Due Diligence Vendor-11/18/2025 <br>Counter-Client Comments - We provided the 2023 Transcripts in the loan file and support the 2023 1040s in file. The Sch E matches the 1120S returns AND the Sch C doesnt belong to our Borrower - AUDIT response - 2023 1040 was not located in the loan file.<br> - Due Diligence Vendor-11/14/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing the 2023 1040 tax returns to coincide with the 2023 business returns and 2023 tax transcripts. - Due Diligence Vendor-09/18/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-01/12/2026 <br>Resolved-The lender guides indicate when tax return transcripts do not provide the details required to establish qualifying income, copies of the actual tax returns, schedules, or forms will be required. In this case they provided the 2023 business returns and the 2023 personal transcripts verifies all income used to qualify, W2 and business income. - Due Diligence Vendor-11/18/2025<br>| Months Reserves exceed minimum required - 35.86mos reserves. Per guides, no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 729. Per guide, a minimum score required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847737 | xxxxxx D A C | Closed | xxxxxx | 2025-09-18 10:27 | 2025-11-18 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-The lender guides indicate when tax return transcripts do not provide the details required to establish qualifying income, copies of the actual tax returns, schedules, or forms will be required. In this case they provided the 2023 business returns and the 2023 personal transcripts verifies all income used to qualify, W2 and business income. - Due Diligence Vendor-11/18/2025 <br>Counter-Client Comments - We provided the 2023 Transcripts in the loan file and support the 2023 1040s in file. The Sch E matches the 1120S returns AND the Sch C doesnt belong to our Borrower - AUDIT response - 2023 1040 was not located in the loan file. <br> - Due Diligence Vendor-11/14/2025 <br>Open-Borrower 1 Personal Tax Returns Missing Missing the 2023 1040 tax returns to coincide with the 2023 business returns and 2023 tax transcripts. - Due Diligence Vendor-09/18/2025 |  | Resolved-The lender guides indicate when tax return transcripts do not provide the details required to establish qualifying income, copies of the actual tax returns, schedules, or forms will be required. In this case they provided the 2023 business returns and the 2023 personal transcripts verifies all income used to qualify, W2 and business income. - Due Diligence Vendor-11/18/2025<br>| Months Reserves exceed minimum required - 35.86mos reserves. Per guides, no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 729. Per guide, a minimum score required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847737 | xxxxxx D A C | Closed | xxxxxx | 2025-09-16 19:59 | 2025-11-14 11:03 | Resolved | 1 - Information C A | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-Upon further review, the lower 2055 value was used for approval as required by the guidelines. - Due Diligence Vendor-11/14/2025 <br>Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-10.71'. Maximum value variance 10% between appraisal and secondary review product. Guide does not specifically state the lower secondary value can be used or that a 2055 exterior only product is acceptable. - Due Diligence Vendor-09/19/2025 |  | Resolved-Upon further review, the lower 2055 value was used for approval as required by the guidelines. - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - 35.86mos reserves. Per guides, no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 729. Per guide, a minimum score required 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847780 | xxxxxx C A | Closed | xxxxxx | 2025-09-29 15:37 | 2025-10-07 11:43 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH - Due Diligence Vendor-10/07/2025 <br>Open-Foreign National but the ACH form is Missing from file. Missing Lender required ACH Form for FN, per guidelines/notes - Due Diligence Vendor-09/29/2025 |  | Resolved-Received ACH - Due Diligence Vendor-10/07/2025<br>| Months Reserves exceed minimum required - 36 months reserves; 0 months reserves required<br>LTV is less than guideline maximum - Qualifying LTV 60%; max allowable 75% LTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848029 | xxxxxx D B A | Closed | xxxxxx | 2025-10-16 14:46 | 2025-10-24 10:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for reserves < 6 months, applied to non material finding with comp factors - Due Diligence Vendor-10/24/2025 <br>Open-Audited Reserves of 2.67 month(s) are less than Guideline Required Reserves of 6 month(s) Assets as listed on the final 1003 are not supported by documentation in file. UW loan summary notes the shortage but file does not contain a lender exception. - Due Diligence Vendor-10/16/2025 |  | Waived-Client provided a waiver for reserves < 6 months, applied to non material finding with comp factors - Due Diligence Vendor-10/24/2025<br>| On time mortgage history exceeds guideline requirement - Borrower's mortgage history is 0x30x75 months, guides require 0x60x12 months.<br>Long term residence - 7.5 years at current residence | Current primary home ownership > 2 years<br> 0x30 for 24 months on all mortgages | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848029 | xxxxxx D B A | Closed | xxxxxx | 2025-10-16 14:17 | 2025-10-23 11:14 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report. - Due Diligence Vendor-10/23/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Missing search of all parties to exclusionary lists - Due Diligence Vendor-10/16/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-10/23/2025<br>| On time mortgage history exceeds guideline requirement - Borrower's mortgage history is 0x30x75 months, guides require 0x60x12 months.<br>Long term residence - 7.5 years at current residence |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848029 | xxxxxx D B A | Closed | xxxxxx | 2025-10-16 14:17 | 2025-10-23 11:14 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud Report. - Due Diligence Vendor-10/23/2025 <br>Open-OFAC Check Not Completed and/or Cleared Missing OFAC search - Due Diligence Vendor-10/16/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-10/23/2025<br>| On time mortgage history exceeds guideline requirement - Borrower's mortgage history is 0x30x75 months, guides require 0x60x12 months.<br>Long term residence - 7.5 years at current residence |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848029 | xxxxxx D B A | Closed | xxxxxx | 2025-10-16 14:17 | 2025-10-23 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-10/23/2025 <br>Open-Missing Third Party Fraud Report Missing fraud report with issues addressed. - Due Diligence Vendor-10/16/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-10/23/2025<br>| On time mortgage history exceeds guideline requirement - Borrower's mortgage history is 0x30x75 months, guides require 0x60x12 months.<br>Long term residence - 7.5 years at current residence |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848029 | xxxxxx D B A | Closed | xxxxxx | 2025-10-16 13:42 | 2025-10-23 11:11 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received chain of title. - Due Diligence Vendor-10/23/2025 <br>Open-Unsatisfactory Chain of Title provided. Missing 24-month chain of title - Due Diligence Vendor-10/16/2025 |  | Resolved-Received chain of title. - Due Diligence Vendor-10/23/2025<br>| On time mortgage history exceeds guideline requirement - Borrower's mortgage history is 0x30x75 months, guides require 0x60x12 months.<br>Long term residence - 7.5 years at current residence |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848164 | xxxxxx C A | Closed | xxxxxx | 2025-10-17 11:59 | 2025-10-30 10:42 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received corrected Desk Review. - Due Diligence Vendor-10/30/2025 <br> Counter-Desk Review provided states the Appraised value is xxxxxx, however the loan was approved with an appraised value of xxxxxx. Please provide a Desk Review with the correct appraised value. - Due Diligence Vendor-10/22/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-10/17/2025 |  | Resolved-Received corrected Desk Review. - Due Diligence Vendor-10/30/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12.<br>Months Reserves exceed minimum required - 15.79 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848164 | xxxxxx C A | Closed | xxxxxx | 2025-10-17 10:58 | 2025-10-22 11:49 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal - Due Diligence Vendor-10/22/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. - Due Diligence Vendor-10/17/2025 |  | Resolved-Received Legal - Due Diligence Vendor-10/22/2025<br>| On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12.<br>Months Reserves exceed minimum required - 15.79 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848216 | xxxxxx D B A | Closed | xxxxxx | 2025-09-26 23:29 | 2025-11-19 11:26 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-The request for an exception for Missing full UDM is granted. - Due Diligence Vendor-11/19/2025 <br>Counter-UDM activity provided, please provide the full UDM report for review. - Due Diligence Vendor-11/14/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Lender required Gap Credit Report or Undisclosed Debt Monitoring per guidelines for Borrower 1 and 2 - Due Diligence Vendor-09/27/2025 |  | Waived-The request for an exception for Missing full UDM is granted. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - DTI = 42.20% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 729 Min FICO = 700 | Compensating Factor 1 - Residual income more than 2.5x the amount required by guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 848216 | xxxxxx D B A | Closed | xxxxxx | 2025-09-30 10:11 | 2025-10-23 17:13 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-BPO was received which supports the original value - Due Diligence Vendor-10/23/2025 <br>Open-A BPO has been ordered to support the value - Due Diligence Vendor-10/22/2025 <br>Open-Missing secondary valuation (CU and LCA in file have no scores). - Due Diligence Vendor-09/30/2025 |  | Resolved-BPO was received which supports the original value - Due Diligence Vendor-10/23/2025<br>| Qualifying DTI below maximum allowed - DTI = 42.20% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 729 Min FICO = 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848294 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848416 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848419 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848421 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 848446 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848476 | xxxxxx D A C | Closed | xxxxxx | 2025-10-01 18:21 | 2025-10-27 11:18 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Updated Desk Review. - Due Diligence Vendor-10/27/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Per guides, a third-party appraisal review product is required for all loans unless a second appraisal is obtained. Missing an eligible secondary valuation product to support the appraised value. It should be note that the loan file contained a Desk Review; however, it was obtained prior to the appraisal. - Due Diligence Vendor-10/01/2025 |  | Resolved-Received Updated Desk Review. - Due Diligence Vendor-10/27/2025<br>| Months Reserves exceed minimum required - Borrowers have 90 months of reserves from the cashout proceeds, 6 months minimum reserves required.<br>LTV is less than guideline maximum - 63.9% LTV ratio, 75% maximum LTV allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848476 | xxxxxx D A C | Closed | xxxxxx | 2025-09-30 15:13 | 2025-10-20 09:41 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-After further review, this is a delayed financing transaction. - Due Diligence Vendor-10/20/2025 <br>Open-Cash Out Does Not Meet Guideline Requirements Per guides, cash out proceeds may be used for business purposes only and a LOE will be required for closing. Missing LOE for the proceeds from the cash-out refinance. - Due Diligence Vendor-09/30/2025 |  | Resolved-After further review, this is a delayed financing transaction. - Due Diligence Vendor-10/20/2025<br>| Months Reserves exceed minimum required - Borrowers have 90 months of reserves from the cashout proceeds, 6 months minimum reserves required.<br>LTV is less than guideline maximum - 63.9% LTV ratio, 75% maximum LTV allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848476 | xxxxxx D A C | Closed | xxxxxx | 2025-09-30 13:55 | 2025-10-13 11:06 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received 24 month chain of title. - Due Diligence Vendor-10/13/2025 <br> Open-Unsatisfactory Chain of Title provided. Prelim title missing 24-month chain of title information; specifically, the prior conveyance as noted in Prelim Title Schedule C #13, fails to provide previous ownership information. - Due Diligence Vendor-09/30/2025 |  | Resolved-Received 24 month chain of title. - Due Diligence Vendor-10/13/2025<br>| Months Reserves exceed minimum required - Borrowers have 90 months of reserves from the cashout proceeds, 6 months minimum reserves required.<br>LTV is less than guideline maximum - 63.9% LTV ratio, 75% maximum LTV allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848476 | xxxxxx D A C | Closed | xxxxxx | 2025-09-30 14:24 | 2025-10-13 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Received flood cert. - Due Diligence Vendor-10/13/2025 <br>Open-Flood Certificate is Partially Provided The flood cert in loan file is corrupted and new complete Flood Cert should be obtained with all information and headings showing. <br> It should be noted that evidence of sufficient insurance coverage for the title company is also affected by a similar issue with the corrupted copy of the Title Company's Liability Insurance in the loan file. - Due Diligence Vendor-09/30/2025 |  | Resolved-Received flood cert. - Due Diligence Vendor-10/13/2025<br>| Months Reserves exceed minimum required - Borrowers have 90 months of reserves from the cashout proceeds, 6 months minimum reserves required.<br>LTV is less than guideline maximum - 63.9% LTV ratio, 75% maximum LTV allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848521 | xxxxxx C A | Closed | xxxxxx | 2025-11-26 11:39 | 2025-12-02 16:46 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-After further review, the HPML requirements have been met. - Due Diligence Vendor-12/02/2025 <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. ------Statute of limitations – One year; Expiration date: xxxxxx - Due Diligence Vendor-11/26/2025 |  | Resolved-After further review, the HPML requirements have been met. - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 Required is 680 Borrower has 709<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.17 Required is 50 Borrower has 31.32 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848535 | xxxxxx C A | Closed | xxxxxx | 2025-10-31 08:40 | 2025-11-07 11:44 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received title confirmation judgment removed as does not belong to borrower and final policy reflecting clear. - Due Diligence Vendor-11/07/2025 <br> Open-Property Title Issue Missing evidence that Schedule C #6 judgment (PDF 762) was either paid or deleted from title. - Due Diligence Vendor-10/31/2025 |  | Resolved-Received title confirmation judgment removed as does not belong to borrower and final policy reflecting clear. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 816 FICO exceeds 660 minimum required.<br>LTV is less than guideline maximum - 60.57% LTV is less than 75% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 848597 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848609 | xxxxxx C A | Closed | xxxxxx | 2025-10-16 06:28 | 2025-10-20 16:08 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx has issues | Resolved-Received Updated Appraisal. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-xxxxxx has issues- Missing pics and comments of xxxxxx. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025<br>| Resolved-Received Updated Appraisal. - Due Diligence Vendor-10/20/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.039 ; minimum 1.00.<br>Months Reserves exceed minimum required - 107.88 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848620 | xxxxxx D A C | Closed | xxxxxx | 2025-12-04 11:16 | 2025-12-11 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-12/11/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/05/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 749, 680 min required Required is 680 Borrower has 749<br>LTV is less than guideline maximum - LTV 79.59%, max is 90% Required is 90 Borrower has 79.59<br>Qualifying DTI below maximum allowed - 13.76% DTI, max is 50% Required is 50 Borrower has 13.76 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 848620 | xxxxxx D A C | Closed | xxxxxx | 2025-12-03 11:08 | 2025-12-11 07:19 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received CD and COC dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/11/2025 <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 $975.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $975.00 (Loan Discount points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $975.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 Yrs: Expiration Date xxxxxx. - Due Diligence Vendor-12/03/2025 |  | Resolved-----Received CD and COC dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO is 749, 680 min required Required is 680 Borrower has 749<br>LTV is less than guideline maximum - LTV 79.59%, max is 90% Required is 90 Borrower has 79.59<br>Qualifying DTI below maximum allowed - 13.76% DTI, max is 50% Required is 50 Borrower has 13.76 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 848690 | xxxxxx C B A | Closed | xxxxxx | 2025-10-29 13:21 | 2025-10-30 11:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-10/30/2025 <br> Open-Prepayment Penalty is not allowed. Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-10/29/2025 |  | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-10/30/2025<br>| DSCR % greater than 1.20 - DSCR is 1.24. .1.00 was required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 722; guidelines require 640. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848713 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848717 | xxxxxx C B A | Closed | xxxxxx | 2025-12-01 16:10 | 2026-01-09 13:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Subject property is a xxxxxx with an ADU. The guidelines state the appraisal must demonstrate that the improvements are typical for the market, supported by at least one comparable with similar use. Although no value was given by the appraiser, there were no comps available at the time of purchase. Approved Client exception provided. Non-material with compensating factors. - Due Diligence Vendor-01/12/2026 <br> Open-Subject property is a xxxxxx with an ADU. The guidelines state the appraisal must demonstrate that the improvements are typical for the market, supported by at least one comparable with similar use. Although no value was given by the appraiser, there were no comps available at the time of purchase. Approved exception provided. Non-material with compensating factors. - Due Diligence Vendor-12/01/2025 |  | Waived-Subject property is a xxxxxx with an ADU. The guidelines state the appraisal must demonstrate that the improvements are typical for the market, supported by at least one comparable with similar use. Although no value was given by the appraiser, there were no comps available at the time of purchase. Approved Client exception provided. Non-material with compensating factors. - Due Diligence Vendor-01/12/2026 | Qualifying DTI below maximum allowed - Maximum DTI is 50%. Borrowers' DTI us 16.97%. Required is 50 Borrower has 16.97<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 620. Borrower has a 714 FICO. Required is 620 Borrower has 714<br>LTV is less than guideline maximum - Guideline maximum LTV is 85%. Subject LTV is 37.5%. Required is 85 Borrower has 37.5 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Reserves exceed requirement by 10 months or more.<br> DTI<=36% which is below requirement in guidelines. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848717 | xxxxxx C B A | Closed | xxxxxx | 2025-11-25 12:59 | 2025-12-11 08:03 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved------Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-12/11/2025 <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 xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-11/25/2025 |  | Resolved------Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-12/11/2025 | Qualifying DTI below maximum allowed - Maximum DTI is 50%. Borrowers' DTI us 16.97%. Required is 50 Borrower has 16.97<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 620. Borrower has a 714 FICO. Required is 620 Borrower has 714<br>LTV is less than guideline maximum - Guideline maximum LTV is 85%. Subject LTV is 37.5%. Required is 85 Borrower has 37.5 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848719 | xxxxxx D A | Closed | xxxxxx | 2025-11-07 08:30 | 2025-11-07 08:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received application-DSCR - Due Diligence Vendor-11/07/2025 <br>Open-----Received copy of initial application, need copy of application signed at closing. - Due Diligence Vendor-11/07/2025 |  | Resolved-Received application-DSCR - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - 36.04 months reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 731; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848719 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 10:28 | 2025-11-06 10:55 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received business purpose affidavit. - Due Diligence Vendor-11/06/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-11/03/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - 36.04 months reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 731; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848729 | xxxxxx C A | Closed | xxxxxx | 2025-11-03 10:21 | 2025-11-11 09:36 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Deed of Trust Signature does not match Note | Resolved-Received complete executed security instrument. - Due Diligence Vendor-11/11/2025 <br>Open-Borrower 2 Signature does not match Note Mortgage was signed by individuals on behalf of a business, mortgage is missing the signature for the 2nd signing member. - Due Diligence Vendor-11/03/2025 |  | Resolved-Received complete executed security instrument. - Due Diligence Vendor-11/11/2025<br>| Months Reserves exceed minimum required - 2 months reserves PITIA required and the borrowers have 31.31 months PITIA.<br>Qualifying FICO score is at least 20 points above minimum for program - 660 FICO required and the borrowers have a 777 FICO. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848729 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 09:28 | 2025-11-07 14:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-After further review, this is not required per the lender's guidelines. - Due Diligence Vendor-11/07/2025 <br> Open-There are Issues Present on the Note that must be addressed. Note is missing the following-Choice of Law - Title 12, Subtitle 12, Subtitle 10 Credit to Grantor \*This loan is made pursuant to Title 12, Subtitle 10 of the xxxxxx Commercial Law Article for Credit Grantor Closed-End Credit. - Due Diligence Vendor-11/05/2025 |  | Resolved-After further review, this is not required per the lender's guidelines. - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - 2 months reserves PITIA required and the borrowers have 31.31 months PITIA.<br>Qualifying FICO score is at least 20 points above minimum for program - 660 FICO required and the borrowers have a 777 FICO. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848887 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848904 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 848920 | xxxxxx C A | Closed | xxxxxx | 2025-10-08 14:06 | 2025-10-16 10:35 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received ByLaws for vested corporation. - Due Diligence Vendor-10/16/2025 <br>Open-The Business Entity Formation Document is incomplete Provide By-laws for vested corporation. - Due Diligence Vendor-10/08/2025 |  | Resolved-Received ByLaws for vested corporation. - Due Diligence Vendor-10/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS 801 MINIMUM IS 640<br>LTV is less than guideline maximum - LTV IS AT 48.7% MAXIMUM LTV IS 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848940 | xxxxxx C B A | Closed | xxxxxx | 2025-10-28 15:58 | 2025-10-31 11:55 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The fraud report confirms the borrower's correct address is xxxxxx and not xxxxxx. The application had a typo. - Due Diligence Vendor-10/31/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12 month housing history B2. Mailing address and driver license address shows xxxxxx and does not match the property report REO address of xxxxxx, unable to determine if this is the same property at which the borrower resides. - Due Diligence Vendor-10/28/2025 |  | Resolved-The fraud report confirms the borrower's correct address is xxxxxx and not xxxxxx. The application had a typo. - Due Diligence Vendor-10/31/2025 | LTV is less than guideline maximum - LTV 60% LTV. Allowed 80%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 770; guidelines require 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848940 | xxxxxx C B A | Closed | xxxxxx | 2025-10-27 10:34 | 2025-10-30 17:02 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-The lender confirmed the prepay term is 36 months. - Due Diligence Vendor-10/30/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. Per Note prepayment term is 36 months (3 years) - Due Diligence Vendor-10/27/2025 |  | Resolved-The lender confirmed the prepay term is 36 months. - Due Diligence Vendor-10/30/2025 | LTV is less than guideline maximum - LTV 60% LTV. Allowed 80%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 770; guidelines require 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848940 | xxxxxx C B A | Closed | xxxxxx | 2025-10-27 22:34 | 2025-10-28 16:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-10/28/2025 <br> Open-Prepayment Penalty is not allowed. Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-10/28/2025 |  | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-10/28/2025 | LTV is less than guideline maximum - LTV 60% LTV. Allowed 80%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 770; guidelines require 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848965 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849010 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849017 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849023 | xxxxxx C A | Closed | xxxxxx | 2025-11-12 12:29 | 2025-11-17 09:45 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM clearance. - Due Diligence Vendor-11/17/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists CD coordinator xxxxxx is on the Sam.gov list and not cleared. - Due Diligence Vendor-11/12/2025 |  | Resolved-Received SAM clearance. - Due Diligence Vendor-11/17/2025 | Months Reserves exceed minimum required - Minimum reserves required = 6 months PITI(a) for the subject property. The borrower has 32.75 months PITI(a).<br> DSCR % greater than 1.20 - Required is 1 Borrower has 2.222<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 700. Borrower's qualifying score = 742. Required is 700 Borrower has 742 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849023 | xxxxxx C A | Closed | xxxxxx | 2025-11-12 12:29 | 2025-11-17 09:45 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received updated watchlist reflecting clear. - Due Diligence Vendor-11/17/2025 <br> Open-OFAC Check Not Completed and/or Cleared Investor "xxxxxx" is on the OFAC list and not cleared. - Due Diligence Vendor-11/12/2025 |  | Resolved-Received updated watchlist reflecting clear. - Due Diligence Vendor-11/17/2025 | Months Reserves exceed minimum required - Minimum reserves required = 6 months PITI(a) for the subject property. The borrower has 32.75 months PITI(a).<br> DSCR % greater than 1.20 - Required is 1 Borrower has 2.222<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 700. Borrower's qualifying score = 742. Required is 700 Borrower has 742 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849030 | xxxxxx D A | Closed | xxxxxx | 2025-10-31 11:39 | 2025-11-12 09:37 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received Borrower Certification of Business Purpose. - Due Diligence Vendor-11/12/2025 <br> Counter-Clarification-missing Borrower Certification of Business Purpose-review concurs r/t transaction. - Due Diligence Vendor-11/05/2025 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-10/31/2025 |  | Resolved-Received Borrower Certification of Business Purpose. - Due Diligence Vendor-11/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - 700 FICO minimum and the borrower has a 742 FICO<br> Months Reserves exceed minimum required - 6 months PITIA required and the borrower has 30.85 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849030 | xxxxxx D A | Closed | xxxxxx | 2025-10-31 11:06 | 2025-11-05 09:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-11/05/2025 <br> Open-Missing Flood Certificate - Flood Certificate Missing - Due Diligence Vendor-11/03/2025 |  | Resolved-Received flood cert. - Due Diligence Vendor-11/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - 700 FICO minimum and the borrower has a 742 FICO<br> Months Reserves exceed minimum required - 6 months PITIA required and the borrower has 30.85 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849040 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 10:39 | 2025-11-10 16:01 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-After further review, the Mortgage is acceptable. - Due Diligence Vendor-11/10/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required witness signature<br> - Due Diligence Vendor-10/29/2025 |  | Resolved-After further review, the Mortgage is acceptable. - Due Diligence Vendor-11/10/2025 | Months Reserves exceed minimum required - 10.36 months reserves; 2 months reserves required.<br> Credit history exceeds minimum required - Qualifying FICO score 675; guidelines require 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849040 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 14:41 | 2025-11-07 11:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI - Due Diligence Vendor-11/07/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing dwelling coverage amount and premium - Due Diligence Vendor-10/28/2025 |  | Resolved-Received HOI - Due Diligence Vendor-11/07/2025 | Months Reserves exceed minimum required - 10.36 months reserves; 2 months reserves required.<br> Credit history exceeds minimum required - Qualifying FICO score 675; guidelines require 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849040 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 10:48 | 2025-11-07 11:51 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-11/07/2025 <br> Open-Missing secondary valuation - Due Diligence Vendor-10/29/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-11/07/2025 | Months Reserves exceed minimum required - 10.36 months reserves; 2 months reserves required.<br> Credit history exceeds minimum required - Qualifying FICO score 675; guidelines require 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849055 | xxxxxx C A | Closed | xxxxxx | 2025-10-28 14:47 | 2025-12-02 12:43 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Fraud report confirms there is no mortgage on this property. - Due Diligence Vendor-12/02/2025 <br> Counter-Received Tax bill and credit report. The taxbill is not confirmation of no lien. Provide Release of Lien/ Deed of Reconveyance. - Due Diligence Vendor-12/01/2025 <br> Counter-Provide borrowers primary housing history meeting guidelines-Provide a VOM or VOR to reflect the borrower's housing history for the past 12 months. - Due Diligence Vendor-11/07/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide a VOM or VOR to reflect the borrower's housing history for the past 12 months. - Due Diligence Vendor-10/28/2025 |  | Resolved-Fraud report confirms there is no mortgage on this property. - Due Diligence Vendor-12/02/2025 | Credit history exceeds minimum required - Credit History = 111 Months Minimum Credit History = 24 Months<br> Months Reserves exceed minimum required - Borrower has 103 months reserves. Guidelines require 2 months reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849055 | xxxxxx C A | Closed | xxxxxx | 2025-10-28 14:26 | 2025-11-21 11:52 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-11/21/2025 <br> Counter-Received copy of appraisal-please provide secondary valuation supporting value. - Due Diligence Vendor-11/07/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Provide a copy of the appraisal review. Additional conditions may apply. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-11/21/2025 | Credit history exceeds minimum required - Credit History = 111 Months Minimum Credit History = 24 Months<br> Months Reserves exceed minimum required - Borrower has 103 months reserves. Guidelines require 2 months reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849055 | xxxxxx C A | Closed | xxxxxx | 2025-10-28 14:09 | 2025-11-10 12:53 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-11/10/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide an updated Exhibit A to reflect the subject property's legal description. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received Legal. - Due Diligence Vendor-11/10/2025 | Credit history exceeds minimum required - Credit History = 111 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Borrower has 103 months reserves. Guidelines require 2 months reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849055 | xxxxxx C A | Closed | xxxxxx | 2025-10-28 14:51 | 2025-11-07 11:59 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC history confirmation. - Due Diligence Vendor-11/07/2025 <br> Open-OFAC Check Not Completed and/or Cleared Provide an OFAC report verifying that all interested parties have been checked with exclusionary list. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received OFAC history confirmation. - Due Diligence Vendor-11/07/2025 | Credit history exceeds minimum required - Credit History = 111 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Borrower has 103 months reserves. Guidelines require 2 months reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849056 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849068 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849089 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849175 | xxxxxx B A | Closed | xxxxxx | 2025-11-03 04:53 | 2025-11-03 11:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/03/2025 <br> Open-Housing History Does Not Meet Guideline Requirements - Exception Approved: Missing 12-month primary mortgage history meeting guideline requirements. Exception in file by Lender, and approved by Client for unverifiable housing history since borrower's current residence is in xxxxxx. Non-Material: Good Credit History. - Due Diligence Vendor-11/03/2025 |  | Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - 811 FICO exceeds 700 minimum required.<br>LTV is less than guideline maximum - 75% LTV is less than 80% maximum. | Credit Score 30+ points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849198 | xxxxxx D A | Closed | xxxxxx | 2025-10-01 14:51 | 2025-10-08 12:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI policy. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. please see updated HOI xxxxxx u - Seller-10/07/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Client calculated the DSCR based on long term rental. However, the hazard insurance reflects that the subject is a short term rental. Please provide clarification. - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. please see updated HOI xxxxxx u - Seller-10/07/2025<br>| Resolved-Received HOI policy. - Due Diligence Vendor-10/08/2025 | Months Reserves exceed minimum required - 16 months reserves exceed 6 month minimum required<br>LTV is less than guideline maximum - LTV 27.27%. Max LTV allowed 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849198 | xxxxxx D A | Closed | xxxxxx | 2025-10-01 09:23 | 2025-10-03 10:37 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received update, All High Fraud Report Alerts have been cleared, - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. xxxxxx<br>I have attached the fraud report showing high cleared and epls - Seller-10/02/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud Report reflects the following high alert: xxxxxx - Hit for EPLS. Provide an updated fraud report reflecting that this finding has been cleared. - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. xxxxxx<br>I have attached the fraud report showing high cleared and epls - Seller-10/02/2025 | Resolved-Received update, All High Fraud Report Alerts have been cleared, - Due Diligence Vendor-10/03/2025 | Months Reserves exceed minimum required - 16 months reserves exceed 6 month minimum required<br>LTV is less than guideline maximum - LTV 27.27%. Max LTV allowed 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849200 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849242 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849262 | xxxxxx D A | Closed | xxxxxx | 2025-11-25 17:17 | 2025-12-11 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received xxxxxx CPM approval. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/09/2025 <br> Counter-Review is unable to locate the CPM-please provide. - Due Diligence Vendor-12/03/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-11/26/2025 |  | Resolved-Received xxxxxx CPM approval. - Due Diligence Vendor-12/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO of 680. Borrower's qualifying FICO is 805. Required is 680 Borrower has 805<br>Qualifying DTI below maximum allowed - Guideline maximum DTI is 50%. Borrower's DTI is 36.61%. Required is 50 Borrower has 36.61 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849262 | xxxxxx D A | Closed | xxxxxx | 2025-11-25 17:48 | 2025-12-02 10:23 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received complete statements. - Due Diligence Vendor-12/02/2025 <br> Open-Income and Employment Do Not Meet Guidelines Guidelines require 6 months of statements for asset utilization. Missing July for xxxxxx and the file only contains April, May, and October for xxxxxx. Additional conditions may apply. - Due Diligence Vendor-11/25/2025 |  | Resolved-Received complete statements. - Due Diligence Vendor-12/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO of 680. Borrower's qualifying FICO is 805. Required is 680 Borrower has 805<br> Qualifying DTI below maximum allowed - Guideline maximum DTI is 50%. Borrower's DTI is 36.61%. Required is 50 Borrower has 36.61 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849270 | xxxxxx D A | Closed | xxxxxx | 2025-10-22 14:25 | 2025-10-27 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received revised 1003 - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Seller-10/24/2025 <br> Open-Foreign address on the 1003 differs slightly from the foreign address on the purchase agreement. Per 3.4.1 The Application must include the borrowers full legal name, phone number, address including the flat, floor unit or house number and the street name, city, province/state along with a postal code - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025 | Resolved-Received revised 1003 - Due Diligence Vendor-10/27/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.027; minimum DSCR 1.00.<br>LTV is less than guideline maximum - LTV 70; max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849274 | xxxxxx B A | Closed | xxxxxx | 2025-10-20 10:38 | 2025-10-20 13:58 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material finding with compensating factors. xxxxxx prepay to an LLC. - Due Diligence Vendor-10/20/2025 <br> Open-xxxxxx loan with an LLC not allowed. - Due Diligence Vendor-10/20/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. xxxxxx prepay to an LLC. - Due Diligence Vendor-10/20/2025 | Months Reserves exceed minimum required - 14 Months Reserves exceed minimum required 6<br> DSCR % greater than 1.20 - 1.40 DSCR % greater than 1.20 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849287 | xxxxxx C A | Closed | xxxxxx | 2025-10-13 15:27 | 2025-10-16 16:40 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received LOX Housing History Late. 1x30. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Open-Housing History Does Not Meet Guideline Requirements . VOM provided states 1 late payment but does not indicate when the late payment occurred or how late the payment was (1x30, 1x60, etc.) in order to determine if within guidelines. Additional findings may apply. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025<br>| Resolved-Received LOX Housing History Late. 1x30. - Due Diligence Vendor-10/16/2025 | Months Reserves exceed minimum required - 93.11 months PITIA reserves; 2 months reserves required.<br> LTV is less than guideline maximum - LTV 50% max 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849296 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849299 | xxxxxx D A | Closed | xxxxxx | 2025-10-07 15:58 | 2025-10-13 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-10/13/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-10/07/2025 |  | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-10/13/2025 | Credit history exceeds minimum required - Qualifying FICO score 677; guidelines require 660. <br> On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849299 | xxxxxx D A | Closed | xxxxxx | 2025-10-06 10:33 | 2025-10-09 10:23 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Client acknowledged the PPP variance. - Due Diligence Vendor-10/09/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '36' Diligence value '60'. Pre Prepayment Addendum shows 36 months. Prepayment penalty is 60 months. - Due Diligence Vendor-10/06/2025 |  | Resolved-Client acknowledged the PPP variance. - Due Diligence Vendor-10/09/2025 | Credit history exceeds minimum required - Qualifying FICO score 677; guidelines require 660. <br> On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849315 | xxxxxx C A | Closed | xxxxxx | 2025-10-17 12:44 | 2025-10-21 16:00 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received SAM clearance. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Open-Fraud Report Shows Uncleared Alerts Missing evidence of GSA/SAM Report to clear Fraud Alert for Appraiser/ xxxxxx (89) - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025 | Resolved-Received SAM clearance. - Due Diligence Vendor-10/21/2025 | Months Reserves exceed minimum required - 30.53 months reserves; 12 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 741; guidelines require 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849341 | xxxxxx C A | Closed | xxxxxx | 2025-10-16 10:05 | 2025-10-17 13:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received Note with wet signatures. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-There are Issues Present on the Note that must be addressed. Note must be wet signed for Targeted investor. Electronic signatures are not allowed. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025<br>| Resolved-Received Note with wet signatures. - Due Diligence Vendor-10/17/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.98; minimum 0.00 with 60% LTV.<br>Months Reserves exceed minimum required - 45.95 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849382 | xxxxxx C A | Closed | xxxxxx | 2025-12-10 11:24 | 2025-12-18 07:31 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received CD xxxxxx, Finding Resolved. - Due Diligence Vendor-12/18/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $205.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/10/2025 |  | Resolved-Received CD xxxxxx, Finding Resolved. - Due Diligence Vendor-12/18/2025 | LTV is less than guideline maximum - Required is 90 Borrower has 75 Required is 90 Borrower has 75<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.53 Required is 50 Borrower has 21.53<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 817 Required is 680 Borrower has 817 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 849387 | xxxxxx C B A | Closed | xxxxxx | 2025-10-20 11:09 | 2025-10-20 15:40 | Waived | 2 - Non-Material C B | Credit | Title | Property Title Issue | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-10/20/2025 <br> Open-Property Title Issue The loan file contains an Exception Request (pages 1 & 9): loan is a cash out refinance. Property is currently held in the name of the borrower's C Corp corporation, not an LLC. The loan meets seasoning requirements in the name of the corporation. Need an exception to close in the name of the C Corp corporation, not an LLC. Or need verification that title can be changed to his S Corp LLC at closing without impacting the seasoning negatively. The loan closed in the borrower's LLC of xxxxxx (page 254). - Due Diligence Vendor-10/20/2025 |  | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-10/20/2025 | LTV is less than guideline maximum - Maximum LTV is 75% and the borrower's LTV ratio is at 70%. <br> Qualifying FICO score is at least 20 points above minimum for program - Minimum fico score is 660 and the borrower has a 731 fico score. | 70% LTV<br> DSCR 1.065 <br> credit score 731<br> experienced investor | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849391 | xxxxxx C A | Closed | xxxxxx | 2025-11-14 17:00 | 2025-12-10 08:08 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.38.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 copy of CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/10/2025 <br> Counter------COC in file for changes is more than 3 days prior to the effective CD at closing. Please provide a CD that is within 3 days of the COC. - Due Diligence Vendor-11/19/2025 <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 $1,250.90.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $1,250.90 (Points - Loan Discount Fee, Loan Origination Fee, and Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,250.90, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Years; Expiration Date: xxxxxx. COC for increase is in file but we are missing the CD that was provided within three days of the change. - Due Diligence Vendor-11/14/2025 |  | 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 $0.38.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 copy of CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO Score Required is 700 Borrower has 747. Required is 720 Borrower has 747<br> Months Reserves exceed minimum required - Reserves 10.53 months; Required 0. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849391 | xxxxxx C A | Closed | xxxxxx | 2025-11-14 22:30 | 2025-12-10 08:08 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved------Received COC and CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/10/2025 <br> Counter------COC in file for changes is more than 3 days prior to the effective CD at closing. Please provide a CD that is within 3 days of the COC. - Due Diligence Vendor-11/19/2025 <br> Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i))The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). COC in file goes to Final CD with increase of fees is outside of the 3 business days. Provide valid COC. - Due Diligence Vendor-11/15/2025 |  | Resolved------Received COC and CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO Score Required is 700 Borrower has 747. Required is 720 Borrower has 747<br> Months Reserves exceed minimum required - Reserves 10.53 months; Required 0. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849391 | xxxxxx C A | Closed | xxxxxx | 2025-11-14 15:37 | 2025-11-18 14:00 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 9.09% is within allowable threshold of APOR of 6.22% + 3.75% or 9.97%. - Due Diligence Vendor-11/18/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 9.09% is within allowable threshold of APOR of 6.22% + 3.75% or 9.97%. <br> - Due Diligence Vendor-11/14/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 9.09% is within allowable threshold of APOR of 6.22% + 3.75% or 9.97%. - Due Diligence Vendor-11/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO Score Required is 700 Borrower has 747. Required is 720 Borrower has 747<br> Months Reserves exceed minimum required - Reserves 10.53 months; Required 0. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849400 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849450 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849460 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849463 | xxxxxx D A | Closed | xxxxxx | 2025-10-30 13:31 | 2025-11-06 15:13 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-Upon further review, the loan file contained all required H06 documentation - Due Diligence Vendor-11/05/2025 <br> Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name MIssing copy of the Master Policy. - Due Diligence Vendor-10/30/2025 |  | Resolved-Upon further review, the loan file contained all required H06 documentation - Due Diligence Vendor-11/05/2025 | Months Reserves exceed minimum required - Borrower has 54.02 months of reserves and only needs 2 months to qualify.<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849463 | xxxxxx D A | Closed | xxxxxx | 2025-10-30 13:31 | 2025-11-06 15:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-A standalone condo cannot have a master insurance policy without an active Homeowners Association (HOA). - Due Diligence Vendor-11/06/2025 <br> Counter-Missing condo master insurance required to cover common areas-provide confirmation of no master policy. - Due Diligence Vendor-11/05/2025 <br> Open-Missing Condo Master Insurance Policy to include xxxxxx in liability coverage - Due Diligence Vendor-10/30/2025 |  | Resolved-A standalone condo cannot have a master insurance policy without an active Homeowners Association (HOA). - Due Diligence Vendor-11/06/2025 | Months Reserves exceed minimum required - Borrower has 54.02 months of reserves and only needs 2 months to qualify.<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849487 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-24 04:13 | 2025-12-01 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received xxxxxx Commitment for Title Insurance. - Due Diligence Vendor-12/01/2025 <br> Open-Title Document is Incomplete Missing Owner and Encumbrance Report (O&E) meeting guideline requirements, xxxxxx Full Title Policy or xxxxxx Short Form Residential Limited Coverage Junior Loan Policy. Additional findings may apply - Due Diligence Vendor-10/24/2025 |  | Resolved-Received xxxxxx Commitment for Title Insurance. - Due Diligence Vendor-12/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - 723 FICO exceeds 680 minimum required.<br> CLTV is less than guidelines maximum - 52.5% CLTV is less than 75% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849487 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-24 04:28 | 2025-12-01 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-Received Borrower 1 Award Letter. - Due Diligence Vendor-12/01/2025 <br> Open-Borrower 1 Award Letter Missing Audit used monthly income from xxxxxx letter provided (PDF 304). Additional findings may apply and DTI may require recalculation. - Due Diligence Vendor-10/24/2025 |  | Resolved-Received Borrower 1 Award Letter. - Due Diligence Vendor-12/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - 723 FICO exceeds 680 minimum required.<br>CLTV is less than guidelines maximum - 52.5% CLTV is less than 75% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849487 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-23 12:57 | 2025-12-01 07:34 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/01/2025 <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 ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($420.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $420.00 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $420.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-10/23/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - 723 FICO exceeds 680 minimum required.<br>CLTV is less than guidelines maximum - 52.5% CLTV is less than 75% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849487 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-23 12:57 | 2025-12-01 07:34 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.38.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/01/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $113.15.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $112.77 (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 $112.77, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expires xxxxxx.<br>----- accounted for rounding issue - Due Diligence Vendor-10/23/2025 |  | 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 $0.38.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - 723 FICO exceeds 680 minimum required.<br>CLTV is less than guidelines maximum - 52.5% CLTV is less than 75% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849487 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-24 04:06 | 2025-10-29 10:46 | Resolved | 1 - Information C A | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Resolved-Received Variance Approval Letter. - Due Diligence Vendor-10/29/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural properties are ineligible per guidelines. - Due Diligence Vendor-10/24/2025 |  | Resolved-Received Variance Approval Letter. - Due Diligence Vendor-10/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - 723 FICO exceeds 680 minimum required.<br>CLTV is less than guidelines maximum - 52.5% CLTV is less than 75% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849487 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-23 12:26 | 2025-10-23 12:26 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/23/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - 723 FICO exceeds 680 minimum required.<br>CLTV is less than guidelines maximum - 52.5% CLTV is less than 75% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 849505 | xxxxxx D A | Closed | xxxxxx | 2025-11-11 12:17 | 2025-12-15 15:26 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Housing history has been provided. - Due Diligence Vendor-12/15/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Private VOR provided. Missing verification/alternate documentation of the 6 most recent months of rental payment history. - Due Diligence Vendor-11/11/2025 |  | Resolved-Housing history has been provided. - Due Diligence Vendor-12/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806 Min FICO 680, borrowers' qualifying FICO is 806<br>Qualifying DTI below maximum allowed - Borrower DTI is 35.74%, max allowed is 45%. Required is 45 Borrower has 35.74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849505 | xxxxxx D A | Closed | xxxxxx | 2025-11-11 10:31 | 2025-12-15 15:25 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received September 2025, July 2025, and April 2025 Checks. - Due Diligence Vendor-12/15/2025 <br> Counter-Received September 2025, July 2025, and April 2025 Checks. Finding indicate only 3 months verified rent. Missing additional 6 months of housing verification per initial finding. - Due Diligence Vendor-12/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The file contains a private VOR reflecting $2,900 per month for rent. The most recent 12 months of bank statements were provided; however, only August 2025, June 2025, and May 2025, document the montly rent having been paid. The remaining months do not verify the rent paid. Lender to provide alternate documentation (cancelled checks, rental statements including payment history, etc.) for the months of September 2025, July 2025, and April 2025. Additional findings may apply. - Due Diligence Vendor-11/11/2025 |  | Resolved-Received September 2025, July 2025, and April 2025 Checks. - Due Diligence Vendor-12/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806 Min FICO 680, borrowers' qualifying FICO is 806<br>Qualifying DTI below maximum allowed - Borrower DTI is 35.74%, max allowed is 45%. Required is 45 Borrower has 35.74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849505 | xxxxxx D A | Closed | xxxxxx | 2025-11-11 09:50 | 2025-12-15 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-12/10/2025 <br> Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-11/11/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-12/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806 Min FICO 680, borrowers' qualifying FICO is 806<br>Qualifying DTI below maximum allowed - Borrower DTI is 35.74%, max allowed is 45%. Required is 45 Borrower has 35.74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849505 | xxxxxx D A | Closed | xxxxxx | 2025-11-11 13:56 | 2025-11-26 10:12 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received corrected appraisal. - Due Diligence Vendor-11/26/2025 <br> Open-Appraiser to verify xxxxxx unit count. xxxxxx Docs in file (Exhibit B PDF p.476) reflects Incline Heights xxxxxx consists of xxxxxx units; appraisal notes the project consists of xxxxxx units. Additional conditions may apply. - Due Diligence Vendor-11/11/2025 |  | Resolved-Received corrected appraisal. - Due Diligence Vendor-11/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806 Min FICO 680, borrowers' qualifying FICO is 806<br>Qualifying DTI below maximum allowed - Borrower DTI is 35.74%, max allowed is 45%. Required is 45 Borrower has 35.74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849505 | xxxxxx D A | Closed | xxxxxx | 2025-11-11 10:08 | 2025-11-26 10:01 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit inquiry documentation. - Due Diligence Vendor-11/26/2025 <br> Open-LOX for credit inquiries is missing. Missing LOX for xxxxxx inquiries. - Due Diligence Vendor-11/11/2025 |  | Resolved-Upon further review, the loan file contained all required credit inquiry documentation. - Due Diligence Vendor-11/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806 Min FICO 680, borrowers' qualifying FICO is 806<br>Qualifying DTI below maximum allowed - Borrower DTI is 35.74%, max allowed is 45%. Required is 45 Borrower has 35.74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849509 | xxxxxx C A | Closed | xxxxxx | 2025-10-13 10:14 | 2025-10-16 15:07 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-The lender confirmed the prepay is 36 months. - Due Diligence Vendor-10/16/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. Tape reflects PPP term is 24 months. Prepayment penalty term per the note is 36 months. - Due Diligence Vendor-10/16/2025 |  | Resolved-The lender confirmed the prepay is 36 months. - Due Diligence Vendor-10/16/2025 | LTV is less than guideline maximum - Maximum LTV is 70% - actual is 65% LTV<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720 - actual is 774 FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849587 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 849818 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 849819 | xxxxxx D A | Closed | xxxxxx | 2025-10-16 16:34 | 2025-10-29 10:50 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE from insurer. - Due Diligence Vendor-10/29/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Provide updated policy with coverage of at least xxxxxx or documentation to show that a lower coverage is warranted. If the premium changes, it will need to be added to the file. Please note that the DSCR is not yet finalized and additional information and/or documentation may be required. - Due Diligence Vendor-10/16/2025 |  | Resolved-Received RCE from insurer. - Due Diligence Vendor-10/29/2025 | Months Reserves exceed minimum required - >8 months vs. 2 required<br>Qualifying FICO score is at least 20 points above minimum for program - 797 vs. 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849819 | xxxxxx D A | Closed | xxxxxx | 2025-10-16 16:51 | 2025-10-24 16:51 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved- After further review, 2 witnesses required in xxxxxx county. The property is in xxxxxx county. - Due Diligence Vendor-10/24/2025 <br> Counter-Received UW cert regarding witness-mortgage in xxxxxx requires 1 witness-please provide title confirmation not required. - Due Diligence Vendor-10/24/2025 <br> Open-xxxxxx requires 2 witnesses, one of which can be the Notary. Missing an additional witness. - Due Diligence Vendor-10/16/2025 |  | Resolved- After further review, 2 witnesses required in xxxxxx county. The property is in xxxxxx county. - Due Diligence Vendor-10/24/2025 | Months Reserves exceed minimum required - >8 months vs. 2 required<br>Qualifying FICO score is at least 20 points above minimum for program - 797 vs. 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849819 | xxxxxx D A | Closed | xxxxxx | 2025-10-16 16:20 | 2025-10-24 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-10/24/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Required per guides - Due Diligence Vendor-10/16/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-10/24/2025 | Months Reserves exceed minimum required - >8 months vs. 2 required<br>Qualifying FICO score is at least 20 points above minimum for program - 797 vs. 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849819 | xxxxxx D A | Closed | xxxxxx | 2025-10-16 16:24 | 2025-10-24 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property taxes and calculation considered. - Due Diligence Vendor-10/24/2025 <br> Open-Missing Evidence of Property Tax - Due Diligence Vendor-10/16/2025 |  | Resolved-Received property taxes and calculation considered. - Due Diligence Vendor-10/24/2025 | Months Reserves exceed minimum required - >8 months vs. 2 required<br>Qualifying FICO score is at least 20 points above minimum for program - 797 vs. 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849819 | xxxxxx D A | Closed | xxxxxx | 2025-10-16 16:24 | 2025-10-24 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received preliminary title report. - Due Diligence Vendor-10/24/2025 <br> Open-Title Document is missing - Due Diligence Vendor-10/16/2025 |  | Resolved-Received preliminary title report. - Due Diligence Vendor-10/24/2025 | Months Reserves exceed minimum required - >8 months vs. 2 required<br>Qualifying FICO score is at least 20 points above minimum for program - 797 vs. 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849819 | xxxxxx D A | Closed | xxxxxx | 2025-10-16 16:48 | 2025-10-24 11:41 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received gift letter for $35k. - Due Diligence Vendor-10/24/2025 <br> Open-Missing the gift letters from xxxxxx for $25,000 and $10,000 directly to escrow. Must meet gift requirements. - Due Diligence Vendor-10/16/2025 |  | Resolved-Received gift letter for $35k. - Due Diligence Vendor-10/24/2025 | Months Reserves exceed minimum required - >8 months vs. 2 required<br>Qualifying FICO score is at least 20 points above minimum for program - 797 vs. 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849820 | xxxxxx C B A | Closed | xxxxxx | 2025-11-03 13:01 | 2025-11-05 14:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client exception granted, waiver applied with comp factors. deemed non material, FICO of 672 is less than Guideline FICO of 700 First time investor minimum required FICO 700 exception approved.<br> - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/05/2025 <br> Open-Audited FICO of 672 is less than Guideline FICO of 700 First time investor minimum required FICO 700. - Due Diligence Vendor-11/03/2025 |  | Waived-Client exception granted, waiver applied with comp factors. deemed non material, FICO of 672 is less than Guideline FICO of 700 First time investor minimum required FICO 700 exception approved.<br> - Due Diligence Vendor-11/05/2025 | LTV is less than guideline maximum - LTV is 70% - Max is 75%<br>Months Reserves exceed minimum required - We have 120.02 mos in reserves. We needed 2 mos reserves | Reserves exceed requirement by 2+ months <br> DSCR > 1.15<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849820 | xxxxxx C B A | Closed | xxxxxx | 2025-10-31 08:36 | 2025-11-03 13:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to only xxxxxx unit.<br> - Due Diligence Vendor-11/03/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) \*\*Exception granted - as borrower is first time investor - xxxxxx granted exception to allow for a xxxxxx unit for first time investor. Per GL subject property to be SFR. - Due Diligence Vendor-10/31/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to only xxxxxx unit.<br> - Due Diligence Vendor-11/03/2025 | LTV is less than guideline maximum - LTV is 70% - Max is 75%<br>Months Reserves exceed minimum required - We have 120.02 mos in reserves. We needed 2 mos reserves | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> DSCR > 1.15<br> Reserves exceed requirement by 2 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849839 | xxxxxx D A | Closed | xxxxxx | 2025-10-22 11:53 | 2025-10-30 11:38 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Received credit report, borrower is not a first time homebuyer. - Due Diligence Vendor-10/30/2025 <br> Open-First Time Investors must currently own a primary residence for at least one year. Borrower is currently living rent-free per LOX in file - Due Diligence Vendor-10/22/2025 |  | Resolved-Received credit report, borrower is not a first time homebuyer. - Due Diligence Vendor-10/30/2025 | Months Reserves exceed minimum required - 28 months verified and 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 722 FICO; 700 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849839 | xxxxxx D A | Closed | xxxxxx | 2025-10-22 11:44 | 2025-10-30 11:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received assets - Audited Reserves of 28.38 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/30/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) . No asset statement(s) provided - Due Diligence Vendor-10/22/2025 |  | Resolved-Received assets - Audited Reserves of 28.38 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-10/30/2025 | Months Reserves exceed minimum required - 28 months verified and 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 722 FICO; 700 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849839 | xxxxxx D A | Closed | xxxxxx | 2025-10-22 11:32 | 2025-10-30 11:34 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received assets. - Due Diligence Vendor-10/30/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-74873.49'. Assets are Insufficient. No asset statement(s) provided - Due Diligence Vendor-10/22/2025 |  | Resolved-Received assets. - Due Diligence Vendor-10/30/2025 | Months Reserves exceed minimum required - 28 months verified and 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 722 FICO; 700 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849839 | xxxxxx D A | Closed | xxxxxx | 2025-10-21 16:27 | 2025-10-30 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy - Due Diligence Vendor-10/30/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/21/2025 |  | Resolved-Received HOI policy - Due Diligence Vendor-10/30/2025 | Months Reserves exceed minimum required - 28 months verified and 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 722 FICO; 700 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849839 | xxxxxx D A | Closed | xxxxxx | 2025-10-21 16:40 | 2025-10-30 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-10/30/2025 <br> Open-Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing - Due Diligence Vendor-10/22/2025 |  | Resolved-Received Credit Report. - Due Diligence Vendor-10/30/2025 | Months Reserves exceed minimum required - 28 months verified and 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 722 FICO; 700 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849839 | xxxxxx D A | Closed | xxxxxx | 2025-10-21 16:22 | 2025-10-30 11:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received purchase contract. - Due Diligence Vendor-10/30/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-10/22/2025 |  | Resolved-Received purchase contract. - Due Diligence Vendor-10/30/2025 | Months Reserves exceed minimum required - 28 months verified and 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - 722 FICO; 700 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849843 | xxxxxx C A | Closed | xxxxxx | 2025-10-24 10:53 | 2025-12-12 07:56 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-12/12/2025 <br> Counter-----Please provide a COC for the LE where the changes took effect. COC provided is after the changes. ---Ten (10%) tolerance fees (Document Preparation Fee, Lender's Title Insurance Policy, Title Endorsement Fee) increased by $493.20 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $493.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 years, expiration date xxxxxx. Finding Remains. - Due Diligence Vendor-12/01/2025 <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% ($3,087.00) exceed the comparable charges ($2,358.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Document Preparation Fee, Lender's Title Insurance Policy, Title Endorsement Fee) increased by $493.20 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $493.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 years, expiration date xxxxxx. <br> - Due Diligence Vendor-10/24/2025 |  | Resolved-----Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-12/12/2025 | CLTV is less than guidelines maximum - 39.50% CLTV is less than guideline max 75%<br>Qualifying FICO score is at least 20 points above minimum for program - 716 Fico higher than min 680 per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849843 | xxxxxx C A | Closed | xxxxxx | 2025-10-27 15:49 | 2025-12-03 10:09 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx detector has issues | Resolved-After further review, the appraiser did not indicate there was an issue with the xxxxxx, nothing further is needed. - Due Diligence Vendor-12/03/2025 <br> Open-Appraiser to confirm the is a xxxxxx. - Due Diligence Vendor-12/03/2025 |  | Resolved-After further review, the appraiser did not indicate there was an issue with the xxxxxx, nothing further is needed. - Due Diligence Vendor-12/03/2025 | CLTV is less than guidelines maximum - 39.50% CLTV is less than guideline max 75%<br>Qualifying FICO score is at least 20 points above minimum for program - 716 Fico higher than min 680 per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849843 | xxxxxx C A | Closed | xxxxxx | 2025-10-24 10:40 | 2025-11-19 10:00 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-----Received Affiliated Business Disclosure. Finding Resolved. - Due Diligence Vendor-11/19/2025 <br> Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-10/24/2025 |  | Resolved-----Received Affiliated Business Disclosure. Finding Resolved. - Due Diligence Vendor-11/19/2025 | CLTV is less than guidelines maximum - 39.50% CLTV is less than guideline max 75%<br>Qualifying FICO score is at least 20 points above minimum for program - 716 Fico higher than min 680 per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849922 | xxxxxx C B A | Closed | xxxxxx | 2025-10-10 23:39 | 2025-10-16 10:29 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received printout confirming EMD clearance-assets sufficient. - Due Diligence Vendor-10/16/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-24226.35'. Assets are Insufficient. Missing proof of EMD clearing account. - Due Diligence Vendor-10/11/2025 |  | Resolved-Received printout confirming EMD clearance-assets sufficient. - Due Diligence Vendor-10/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 761<br>LTV is less than guideline maximum - 64.8% > 80% allowed |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849922 | xxxxxx C B A | Closed | xxxxxx | 2025-10-14 13:24 | 2025-10-14 13:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow xxxxxx ADU. Non-material waiver applied with comp factors. Deemed non-material due to appraised as a xxxxxx unit property and has good income flow. Appraiser comparables used are similar is style and unit type to subject property. - Due Diligence Vendor-01/12/2026 <br> Open-Property Issues are identified for the property Subject has xxxxxx ADU, only one ADU allowed - Due Diligence Vendor-10/14/2025 |  | Waived-Client exception granted to allow 2 ADU. Non-material waiver applied with comp factors. Deemed non-material due to appraised as a xxxxxx unit property and has good income flow. Appraiser comparables used are similar is style and unit type to subject property. - Due Diligence Vendor-01/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 761<br>LTV is less than guideline maximum - 64.8% > 80% allowed | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required<br> Experienced investor owns and manages 2 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 849926 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849938 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849984 | xxxxxx C A | Closed | xxxxxx | 2025-10-28 12:18 | 2025-11-10 12:14 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received SSR with a CU score of 1. - Due Diligence Vendor-11/10/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing a secondary valuation. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received SSR with a CU score of 1. - Due Diligence Vendor-11/10/2025 | Months Reserves exceed minimum required - Guidelines call for 2 months reserves and the borrower has over 9 months verified. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850010 | xxxxxx C A | Closed | xxxxxx | 2025-10-29 08:04 | 2025-11-04 15:17 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The subject mortgage reports on credit through xxxxxx and the payoff, dated xxxxxx, confirms the loan is due for xxxxxx. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Ready for Review-Reference payoff demand uploaded in initial submission that reflects mtg rating good thru funding month. <br>- Seller-11/04/2025 <br> Counter-Received confirmation of primary VOM paid through xxxxxx. Review is unable to locate acceptable rating on subject mortgage. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. (1)<br> This is DSCR refinance transaction…housing history is only required for primary/subject residence. Attached is the VOM documentation for primary good thru funding mo. Borrower refinanced primary xxxxxx, prior mortgage was with xxxxxx (xxxxxx VOM attached) <br>(2)Please waive, property profile attached confirms borrower has lived at primary residence since xxxxxx. - Seller-10/30/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide the following: (1) Documentation to verify that the following accounts were paid on time until xxxxxx xxxxxx xxxxxx; xxxxxx; and xxxxxx and (2) VOM for the borrowers' previous primary residence - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Ready for Review-Reference payoff demand uploaded in initial submission that reflects mtg rating good thru funding month. <br>- Seller-11/04/2025 <br> Ready for Review-Document Uploaded. (1)<br> This is DSCR refinance transaction…housing history is only required for primary/subject residence. Attached is the VOM documentation for primary good thru funding mo. Borrower refinanced primary xxxxxx, prior mortgage was with xxxxxx (xxxxxx VOM attached) <br>(2)Please waive, property profile attached confirms borrower has lived at primary residence since xxxxxx. - Seller-10/30/2025 | Resolved-The subject mortgage reports on credit through xxxxxx and the payoff, dated xxxxxx, confirms the loan is due for xxxxxx. - Due Diligence Vendor-11/04/2025 | On time mortgage history exceeds guideline requirement - 0x30x12 mortgage history - 0x30x50 on subject mortgage history<br>Months Reserves exceed minimum required - Borrowers have 45 months reserves. Guidelines require 6 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850034 | xxxxxx D A C | Closed | xxxxxx | 2025-11-07 13:13 | 2026-01-12 15:59 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-APR on subject loan of 8.55% is within allowable threshold of APOR of 6.31% + 3.75% or 10.06%. - Due Diligence Vendor-01/12/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 8.55% is within allowable threshold of APOR of 6.31% + 3.75% or 10.06%. - Due Diligence Vendor-11/07/2025 |  | Resolved-APR on subject loan of 8.55% is within allowable threshold of APOR of 6.31% + 3.75% or 10.06%. - Due Diligence Vendor-01/12/2026 | CLTV is less than guidelines maximum - 61.73% CLTV is less than 90T maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds 740 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850034 | xxxxxx D A C | Closed | xxxxxx | 2025-11-10 10:36 | 2025-11-19 11:18 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Property Detail Report. Borrower does not own. - Due Diligence Vendor-11/19/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Fraud report shows potential ownership of additional property (PDF 374). Either provide evidence that borrower does not own or provide evidence of PITIA to be included and DTI recalculated. Additional findings may apply. - Due Diligence Vendor-11/10/2025 |  | Resolved-Received Property Detail Report. Borrower does not own. - Due Diligence Vendor-11/19/2025 | CLTV is less than guidelines maximum - 61.73% CLTV is less than 90T maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds 740 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850034 | xxxxxx D A C | Closed | xxxxxx | 2025-11-10 10:27 | 2025-11-19 11:17 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Property Detail Report. Borrower does not own. - Due Diligence Vendor-11/19/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud report shows potential ownership of additional property (PDF 374). Either provide evidence that borrower does not own or provide evidence of PITIA to be included and DTI recalculated. Additional findings may apply. - Due Diligence Vendor-11/10/2025 |  | Resolved-Received Property Detail Report. Borrower does not own. - Due Diligence Vendor-11/19/2025 | CLTV is less than guidelines maximum - 61.73% CLTV is less than 90T maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds 740 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850034 | xxxxxx D A C | Closed | xxxxxx | 2025-11-07 15:13 | 2025-11-19 10:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved------Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-11/19/2025 <br> Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-11/07/2025 |  | Resolved------Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-11/19/2025 | CLTV is less than guidelines maximum - 61.73% CLTV is less than 90T maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 795 FICO exceeds 740 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850038 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850053 | xxxxxx D A | Closed | xxxxxx | 2025-10-09 15:35 | 2026-01-12 12:28 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-No Property Issues identified for the property. - Due Diligence Vendor-10/13/2025 <br> Open-Residential total square footage only accounts for 39% of the gross building area does not meet the 50.01% requirement. - Due Diligence Vendor-10/09/2025 |  | Resolved-No Property Issues identified for the property. - Due Diligence Vendor-10/13/2025 | LTV is less than guideline maximum - LTV = 60% - Max LTV = 75%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 760 Min FICO = 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850053 | xxxxxx D A | Closed | xxxxxx | 2025-10-09 15:05 | 2025-11-04 12:03 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary valuation provided. - Due Diligence Vendor-11/04/2025 <br> Counter-Received 2nd review value dated after closing. Finding remains. - Due Diligence Vendor-11/03/2025 <br> Open-All loans must have a second appraisal, xxxxxx CDA, xxxxxx, Commercial BPO or equivalent product or field review evidencing a reasonable appraisal value. - Due Diligence Vendor-10/09/2025 |  | Resolved-Secondary valuation provided. - Due Diligence Vendor-11/04/2025 | LTV is less than guideline maximum - LTV = 60% - Max LTV = 75%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 760 Min FICO = 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850053 | xxxxxx D A | Closed | xxxxxx | 2025-10-09 13:14 | 2025-10-15 09:55 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC Check. - Due Diligence Vendor-10/15/2025 <br> Open-OFAC Check Not Completed and/or Cleared The loan file does not contain documentation the all parties associated with the transaction were checked through OFAC. - Due Diligence Vendor-10/09/2025 |  | Resolved-Received OFAC Check. - Due Diligence Vendor-10/15/2025 | LTV is less than guideline maximum - LTV = 60% - Max LTV = 75%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 760 Min FICO = 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850053 | xxxxxx D A | Closed | xxxxxx | 2025-10-09 13:14 | 2025-10-15 09:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud report. - Due Diligence Vendor-10/15/2025 <br> Open-Missing Third Party Fraud Report The loan file is missing the third party fraud report. - Due Diligence Vendor-10/09/2025 |  | Resolved-Received Fraud report. - Due Diligence Vendor-10/15/2025 | LTV is less than guideline maximum - LTV = 60% - Max LTV = 75%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 760 Min FICO = 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850053 | xxxxxx D A | Closed | xxxxxx | 2025-10-09 15:23 | 2025-10-15 09:55 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Received proof of Rent Loss Coverage IAO $60,000. - Due Diligence Vendor-10/15/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. $34,300 coverage does not meet the required $59,775 6 month market rents required. - Due Diligence Vendor-10/09/2025 |  | Resolved-Received proof of Rent Loss Coverage IAO $60,000. - Due Diligence Vendor-10/15/2025 | LTV is less than guideline maximum - LTV = 60% - Max LTV = 75%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 760 Min FICO = 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850054 | xxxxxx C A | Closed | xxxxxx | 2025-10-16 16:21 | 2025-11-11 09:57 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received 1008 reflecting primary value of xxxxxx as appraised value. - Due Diligence Vendor-11/11/2025 <br> Counter-Document was not attached. - Due Diligence Vendor-11/05/2025 <br> Counter-Received primary appraisal, 1004 market update and CDA. Provide updated 1008 reflecting appraised value as xxxxxx. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/04/2025 <br> Counter-Desk review received does not reflect review of appraisal received. Appraisal received is dated xxxxxx with value of xxxxxx. Finding remains. - Due Diligence Vendor-10/24/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Provide a second appraisal, xxxxxx CDA, xxxxxx ARR or equivalent product or field review evidencing a reasonable appraisal<br> value. - Due Diligence Vendor-10/16/2025 |  | Resolved-Received 1008 reflecting primary value of xxxxxx as appraised value. - Due Diligence Vendor-11/11/2025 | Months Reserves exceed minimum required - 18 months verified and 9 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850054 | xxxxxx C A | Closed | xxxxxx | 2025-10-16 18:16 | 2025-11-03 12:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Missing Asset documentation. - Due Diligence Vendor-11/03/2025 <br> Counter-Received asset documentation--missing the validation of the $5,500 deposited with closing attorney on 8/19. Remaining validation of total deposit of $189,000. Missing translation of assets in xxxxxx account-received certificate and conversion-needed for additional reserves. - Due Diligence Vendor-10/24/2025 <br> Open-Audited Reserves of 0.02 month(s) are less than Guideline Required Reserves of 9 month(s) - Provide additional asset documentation to verify sufficient reserves. Final 1003 Additional Assets of $141,106.00 & $250,000.00 which were not provided for review. - Due Diligence Vendor-10/16/2025 |  | Resolved-Received Missing Asset documentation. - Due Diligence Vendor-11/03/2025 | Months Reserves exceed minimum required - 18 months verified and 9 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850054 | xxxxxx C A | Closed | xxxxxx | 2025-10-17 14:37 | 2025-11-03 12:00 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received statements - Due Diligence Vendor-10/24/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements - Provide account Statement xxxxxx from 09/04/2025 - 10/09/2025 to support balance of $33,537.91 - Due Diligence Vendor-10/17/2025 |  | Resolved-Received statements - Due Diligence Vendor-10/24/2025 | Months Reserves exceed minimum required - 18 months verified and 9 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850059 | xxxxxx C B A | Closed | xxxxxx | 2025-12-05 10:40 | 2025-12-12 09:52 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-12/12/2025 <br> Open-LOX for credit inquiries is missing. UDM reflects an inquiry on xxxxxx - LOE required (LOE in file only addresses the xxxxxx inquiry on xxxxxx). - Due Diligence Vendor-12/09/2025 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-12/12/2025 | Months Reserves exceed minimum required - 3 mos reserves required and 34.85 mos verified.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 8.26 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850059 | xxxxxx C B A | Closed | xxxxxx | 2025-12-04 08:36 | 2025-12-12 07:20 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved------Received borrowers acknowledgement of CD. Finding Resolved. - Due Diligence Vendor-12/12/2025 <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. -------Initial CD xxxxxx is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of xxxxxx. Please provide borrower ack acknowledgement of CD issued xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-12/04/2025 |  | Resolved------Received borrowers acknowledgement of CD. Finding Resolved. - Due Diligence Vendor-12/12/2025 | Months Reserves exceed minimum required - 3 mos reserves required and 34.85 mos verified.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 8.26 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850059 | xxxxxx C B A | Closed | xxxxxx | 2025-12-04 08:36 | 2025-12-12 07:20 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.19.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 COC for increase in fees. Finding Resolved. - Due Diligence Vendor-12/12/2025 <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 $727.40.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 $727.21 Loan Amount (Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $727.21, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Please provide borrower ack acknowledgement of COC issued xxxxxx Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-12/04/2025 |  | 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 $0.19.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 COC for increase in fees. Finding Resolved. - Due Diligence Vendor-12/12/2025 | Months Reserves exceed minimum required - 3 mos reserves required and 34.85 mos verified.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 8.26 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850059 | xxxxxx C B A | Closed | xxxxxx | 2025-12-04 10:22 | 2025-12-04 10:23 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings - Due Diligence Vendor-12/04/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings - Due Diligence Vendor-12/04/2025 | Months Reserves exceed minimum required - 3 mos reserves required and 34.85 mos verified.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 8.26 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 850069 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 11:39 | 2025-11-10 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Master policy received, HO-3 policy i the loan file. Coverage is sufficient. - Due Diligence Vendor-11/10/2025 <br> Counter-Received confirmation of HOI-missing master condo policy-or confirmation of no common areas and no master HOI policy. - Due Diligence Vendor-11/06/2025 <br> Counter-Received H06-Missing master policy coverage for xxxxxx units. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/04/2025 <br> Counter-Received master liability and building coverage for HOA common and xxxxxx. Missing master coverage for xxxxxx units. - Due Diligence Vendor-11/04/2025 <br> Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-10/29/2025 |  | Resolved-Master policy received, HO-3 policy i the loan file. Coverage is sufficient. - Due Diligence Vendor-11/10/2025 | On time mortgage history exceeds guideline requirement - 0x30x12<br>Long term residence - Borrower has resided in primary for 3 years and 7 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850069 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 11:39 | 2025-11-10 11:14 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received Fidelity Coverage. - Due Diligence Vendor-11/04/2025 <br>Open-Fidelity Coverage not met. Missing Fidelity Coverage information - Due Diligence Vendor-10/29/2025 |  | Resolved-Received Fidelity Coverage. - Due Diligence Vendor-11/04/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12<br>Long term residence - Borrower has resided in primary for 3 years and 7 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850082 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850104 | xxxxxx C B A | Closed | xxxxxx | 2025-10-15 09:50 | 2025-10-30 10:03 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Rent Loss Coverage is Sufficient - Due Diligence Vendor-10/30/2025 <br>Open-Rent Loss Coverage is Insufficient or Missing. Business interruption/rent loss insurance for 6 months required per guidelines - Due Diligence Vendor-10/15/2025 |  | Resolved-Rent Loss Coverage is Sufficient - Due Diligence Vendor-10/30/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 113.56 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850104 | xxxxxx C B A | Closed | xxxxxx | 2025-10-15 09:20 | 2025-10-22 10:50 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Approval. - Due Diligence Vendor-10/22/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/15/2025 |  | Resolved-Received Approval. - Due Diligence Vendor-10/22/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 113.56 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850104 | xxxxxx C B A | Closed | xxxxxx | 2025-10-13 22:43 | 2025-10-22 10:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-The request for an exception to eligibility criteria is granted for the loan amount. - Due Diligence Vendor-10/22/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $150000 Minimum loan amount is $150,000 per guidelines - Due Diligence Vendor-10/14/2025 |  | Waived-The request for an exception to eligibility criteria is granted for the loan amount. - Due Diligence Vendor-10/22/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 113.56 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 748 | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 850108 | xxxxxx C B A | Closed | xxxxxx | 2025-12-04 10:26 | 2025-12-04 17:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-12/04/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lender exception to allow 12 months rental history utilizing a copy of the current Lease - in lieu of a completed Verification of Rent (VOR), and only 10 of the most recent 12 months of timely payments, due to May 2025 and Sept 2025 having been paid in cash. It should be noted that the borrower's employment was only verified for 26 months, and as such the borrower's employment history was not considered a compensating factor. - Due Diligence Vendor-12/04/2025 |  | Waived-Investor waiver applied to non-material finding with compensating factors. The borrower also had 100 months of verified PITIA reserves. - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - DTI 43.73%, max 50% Required is 50 Borrower has 43.73<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 718; minimum score 660. Required is 660 Borrower has 718<br>LTV is less than guideline maximum - Qualifying LTV 48.94%, max 80%. Required is 80 Borrower has 48.94 | LTV 10% below maximum<br> Credit Score 30+ points above minimum | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850118 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850153 | xxxxxx C B A | Closed | xxxxxx | 2025-11-03 08:20 | 2025-11-05 13:49 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-After further review, the ACH form is strongly recommended, not required. - Due Diligence Vendor-11/05/2025 <br>Counter-Review did not receive ACH Form. Please upload. - Due Diligence Vendor-11/05/2025 <br>Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-11/03/2025 |  | Resolved-After further review, the ACH form is strongly recommended, not required. - Due Diligence Vendor-11/05/2025<br>| LTV is less than guideline maximum - 70% LTV is less than 75% maximum.<br>Months Reserves exceed minimum required - 24.36 months reserves exceed 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850153 | xxxxxx C B A | Closed | xxxxxx | 2025-11-03 06:05 | 2025-11-03 15:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Waived-Trust/POA Does Not Meet Guideline Requirements Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/03/2025 |  | Waived-Trust/POA Does Not Meet Guideline Requirements Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/03/2025<br>| LTV is less than guideline maximum - 70% LTV is less than 75% maximum.<br>Months Reserves exceed minimum required - 24.36 months reserves exceed 6 months required. | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> DSCR exceeds minimum requirement under applicable guidelines. DSCR is 1.046 and minimum required 1.<br> Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850168 | xxxxxx C A | Closed | xxxxxx | 2025-10-20 15:03 | 2025-10-24 12:14 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history - Due Diligence Vendor-10/24/2025 <br>Open-Housing History Does Not Meet Guideline Requirements 12-Month Mortgage History for Subject Property is required-Missing Verification of Mortgage or Provide Housing History for subject property. - Due Diligence Vendor-10/20/2025 |  | Resolved-Received payment history - Due Diligence Vendor-10/24/2025<br>| On time mortgage history exceeds guideline requirement - 0X30 On time mortgage history exceeds guideline requirement 1x30<br>Months Reserves exceed minimum required - 6 Months Reserves exceed minimum required 3 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Rate and Term | N/A | N/A | xxxxxx |
| 850169 | xxxxxx D A | Closed | xxxxxx | 2025-11-04 14:16 | 2026-01-08 14:33 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/08/2026 <br>Resolved-Received Credit Supplement. - Due Diligence Vendor-11/10/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing credit report. - Due Diligence Vendor-11/04/2025 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/08/2026 <br>Resolved-Received Credit Supplement. - Due Diligence Vendor-11/10/2025<br>| LTV is less than guideline maximum - maximum LTV IS 75% - actual LTV is 70%<br>Months Reserves exceed minimum required - Required is 6 months reserves - actual is 110.4 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850169 | xxxxxx D A | Closed | xxxxxx | 2025-11-04 14:16 | 2026-01-08 14:33 | 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-11/10/2025 <br>Open-Borrower 1 Credit Report is Missing. missing credit for b1 and B2 - Due Diligence Vendor-11/04/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/10/2025<br>| LTV is less than guideline maximum - maximum LTV IS 75% - actual LTV is 70%<br>Months Reserves exceed minimum required - Required is 6 months reserves - actual is 110.4 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850169 | xxxxxx D A | Closed | xxxxxx | 2025-11-04 14:34 | 2025-11-13 11:22 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Received updated CBR. - Due Diligence Vendor-11/13/2025 <br>Open-\*New\* Received Credit report, FICO < 680 minimum required. - Due Diligence Vendor-11/10/2025 |  | Resolved-Received updated CBR. - Due Diligence Vendor-11/13/2025<br>| LTV is less than guideline maximum - maximum LTV IS 75% - actual LTV is 70%<br>Months Reserves exceed minimum required - Required is 6 months reserves - actual is 110.4 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850169 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 11:16 | 2025-11-11 10:00 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/11/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal - Due Diligence Vendor-11/03/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/11/2025<br>| LTV is less than guideline maximum - maximum LTV IS 75% - actual LTV is 70%<br>Months Reserves exceed minimum required - Required is 6 months reserves - actual is 110.4 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850169 | xxxxxx D A | Closed | xxxxxx | 2025-11-04 14:34 | 2025-11-10 12:11 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Approval. - Due Diligence Vendor-11/10/2025 <br>Open-Missing Approval/Underwriting Summary missing - Due Diligence Vendor-11/04/2025 |  | Resolved-Received Approval. - Due Diligence Vendor-11/10/2025<br>| LTV is less than guideline maximum - maximum LTV IS 75% - actual LTV is 70%<br>Months Reserves exceed minimum required - Required is 6 months reserves - actual is 110.4 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850241 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850247 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850272 | xxxxxx D B A | Closed | xxxxxx | 2025-10-22 13:23 | 2025-11-11 10:20 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Project Warrantable is Unable to Determine | Resolved-Received corrected appraisal reflecting xxxxxx units. - Due Diligence Vendor-11/11/2025 <br> Counter-Same HOA questionnaire provided, however the appraisal number of units do not match the questionnaire. Please provide a corrected questionnaire or corrected appraisal. Additional findings may apply.<br> - Due Diligence Vendor-10/27/2025 <br> Counter-Questionnaire provided, however the appraisal number of units do not match the questionnaire. Please provide a corrected questionnaire or corrected appraisal. Additional findings may apply. - Due Diligence Vendor-10/24/2025 <br> Open-The Condo Project Warrantability is Unable to Determine. Missing condo questionnaire. - Due Diligence Vendor-10/22/2025 |  | Resolved-Received corrected appraisal reflecting xxxxxx units. - Due Diligence Vendor-11/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - 811vQualifying FICO score is at least 20 points above minimum for program 680<br>Long term residence - Long Term Residence = 19+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850272 | xxxxxx D B A | Closed | xxxxxx | 2025-10-21 20:08 | 2025-11-03 10:04 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received approval. - Due Diligence Vendor-10/27/2025 <br>Open-Missing Approval/Underwriting Summary Missing 1008 and Lender Approval - Due Diligence Vendor-10/22/2025 |  | Resolved-Received approval. - Due Diligence Vendor-10/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 811vQualifying FICO score is at least 20 points above minimum for program 680<br>Long term residence - Long Term Residence = 19+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850272 | xxxxxx D B A | Closed | xxxxxx | 2025-10-21 20:08 | 2025-11-03 10:04 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received bank statements reflecting sufficient funds. - Due Diligence Vendor-10/29/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 12 month(s) Missing assets to cover funds to close and Reserves. Guideline Required Reserves of 12 month(s). - Due Diligence Vendor-10/22/2025 |  | Resolved-Received bank statements reflecting sufficient funds. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 811vQualifying FICO score is at least 20 points above minimum for program 680<br>Long term residence - Long Term Residence = 19+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850272 | xxxxxx D B A | Closed | xxxxxx | 2025-10-22 13:25 | 2025-11-03 10:03 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Proof the primary is owned free and clear provided. - Due Diligence Vendor-11/03/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing primary residence housing history. - Due Diligence Vendor-10/22/2025 |  | Resolved-Proof the primary is owned free and clear provided. - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 811vQualifying FICO score is at least 20 points above minimum for program 680<br>Long term residence - Long Term Residence = 19+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850272 | xxxxxx D B A | Closed | xxxxxx | 2025-10-21 19:36 | 2025-10-29 11:15 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received bank statements reflecting sufficient funds. - Due Diligence Vendor-10/29/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements, Missing Evidence of sufficient funds to close. - Due Diligence Vendor-10/21/2025 |  | Resolved-Received bank statements reflecting sufficient funds. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 811vQualifying FICO score is at least 20 points above minimum for program 680<br>Long term residence - Long Term Residence = 19+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850272 | xxxxxx D B A | Closed | xxxxxx | 2025-10-22 13:23 | 2025-10-24 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Condo Rider | Resolved-Upon further review, condo language is written in the body of the mortgage. - Due Diligence Vendor-10/24/2025 <br>Open-Missing Condo Rider. - Due Diligence Vendor-10/22/2025 |  | Resolved-Upon further review, condo language is written in the body of the mortgage. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 811vQualifying FICO score is at least 20 points above minimum for program 680<br>Long term residence - Long Term Residence = 19+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850272 | xxxxxx D B A | Closed | xxxxxx | 2025-10-22 13:18 | 2025-10-24 11:51 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Waived - Non-Material - based on outside counsel conclusion that there is simply no legal president yet or clear determination if xxxxxx will consider these types of entities as the same as S Corp or C Corp in the future. - Due Diligence Vendor-10/24/2025 <br> Open-PP in xxxxxx when signed with LLC not allowed. - Due Diligence Vendor-10/22/2025 |  | Waived-Waived - Non-Material - based on outside counsel conclusion that there is simply no legal president yet or clear determination if xxxxxx will consider these types of entities as the same as S Corp or C Corp in the future. - Due Diligence Vendor-10/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - 811vQualifying FICO score is at least 20 points above minimum for program 680<br>Long term residence - Long Term Residence = 19+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850272 | xxxxxx D B A | Closed | xxxxxx | 2025-10-21 19:08 | 2025-10-24 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received Questionnaire. - Due Diligence Vendor-10/24/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing the HOA Condo Questionare - Due Diligence Vendor-10/22/2025 |  | Resolved-Received Questionnaire. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 811vQualifying FICO score is at least 20 points above minimum for program 680<br>Long term residence - Long Term Residence = 19+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850440 | xxxxxx D A | Closed | xxxxxx | 2025-10-30 09:35 | 2025-11-05 10:37 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-11/05/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal - Due Diligence Vendor-10/30/2025 |  | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660. Qualified is 709<br>Months Reserves exceed minimum required - Required reserves is 2 months, qualifying is 73 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850440 | xxxxxx D A | Closed | xxxxxx | 2025-10-30 11:53 | 2025-11-04 10:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-After further review, this is not required. - Due Diligence Vendor-11/04/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. Missing Loan Agreement - Due Diligence Vendor-10/30/2025 |  | Resolved-After further review, this is not required. - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660. Qualified is 709<br>Months Reserves exceed minimum required - Required reserves is 2 months, qualifying is 73 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850440 | xxxxxx D A | Closed | xxxxxx | 2025-10-30 13:28 | 2025-11-03 14:47 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-After further review, the lender has no prepayment restrictions in xxxxxx. - Due Diligence Vendor-11/03/2025 <br> Open-Prepayment Penalty is not allowed. Prepayment penalty is not permitted for xxxxxx - Due Diligence Vendor-10/30/2025 |  | Resolved-After further review, the lender has no prepayment restrictions in xxxxxx. - Due Diligence Vendor-11/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660. Qualified is 709<br>Months Reserves exceed minimum required - Required reserves is 2 months, qualifying is 73 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850458 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850467 | xxxxxx C A | Closed | xxxxxx | 2025-10-22 21:34 | 2025-11-03 09:59 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval received. - Due Diligence Vendor-11/03/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/23/2025 |  | Resolved-Approval received. - Due Diligence Vendor-11/03/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrowers have 8.89 months<br>Long term residence - Borrowers have resided in primary for 4 years and 3 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850467 | xxxxxx C A | Closed | xxxxxx | 2025-10-22 15:31 | 2025-10-30 09:59 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Lender confirmed prepay is 36 months. - Due Diligence Vendor-10/30/2025 <br>Open-The Prepayment term per tape is 24 months but note reflects 36 months. - Due Diligence Vendor-10/24/2025 |  | Resolved-Lender confirmed prepay is 36 months. - Due Diligence Vendor-10/30/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrowers have 8.89 months<br>Long term residence - Borrowers have resided in primary for 4 years and 3 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850469 | xxxxxx B A | Closed | xxxxxx | 2025-10-29 12:00 | 2025-10-29 12:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-2/B grade finding based on outside counsel conclusion that there is simply no legal president yet or clear determination if xxxxxx will consider these types of entities as the same as S Corp or C Corp in the future. - Due Diligence Vendor-10/29/2025 |  | Waived-2/B grade finding based on outside counsel conclusion that there is simply no legal president yet or clear determination if xxxxxx will consider these types of entities as the same as S Corp or C Corp in the future. - Due Diligence Vendor-10/29/2025 | Months Reserves exceed minimum required - 17 Months Reserves verified exceed minimum required of 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - 774 Qualifying FICO score is at least 20 points above minimum for program of 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 850471 | xxxxxx C A | Closed | xxxxxx | 2025-10-20 07:59 | 2025-10-24 16:13 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received Business Operating Agreement. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Please see page 2 #4 - Seller-10/23/2025 <br> Open-Per guidelines, to vest in an entity, business purpose and activities of the entity are limited to ownership and management of real estate. Subject loan is vesting in the name of xxxxxx which is an internet marketing service per internet search. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. Please see page 2 #4 - Seller-10/23/2025<br>| Resolved-Received Business Operating Agreement. - Due Diligence Vendor-10/24/2025<br>| DSCR % greater than 1.20 - DSCR of 1.236 - no minimum DSCR<br>Months Reserves exceed minimum required - 41.99 months PITIA reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850476 | xxxxxx C B A | Closed | xxxxxx | 2025-10-27 17:14 | 2025-10-27 17:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Deemed not material due to being short less than one month reserves. - Due Diligence Vendor-10/27/2025 <br>Open-Audited Reserves of 1.58 month(s) are less than Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-10/27/2025 |  | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Deemed not material due to being short less than one month reserves. - Due Diligence Vendor-10/27/2025<br>| DSCR % greater than 1.20 - DSCR 1.455% minimum is 1.00.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 787; minimum score 700. | 770 max fico - borrower has 781 FICO<br> DSCR of 1.455 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 850478 | xxxxxx D B A | Closed | xxxxxx | 2025-11-05 12:02 | 2025-11-19 11:53 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description and Riders. - Due Diligence Vendor-11/19/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Condominium Rider. - Due Diligence Vendor-11/05/2025 |  | Resolved-Received Deed of Trust with Legal Description and Riders. - Due Diligence Vendor-11/19/2025<br>| LTV is less than guideline maximum - MAXIMUM LTV IS 85 % AND THE BORROWERS ARE AT A 56.6% ltv.<br>Qualifying DTI below maximum allowed - Maximum DTI is 50% and the borrowers are at 28.18%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850478 | xxxxxx D B A | Closed | xxxxxx | 2025-11-06 10:38 | 2025-11-10 09:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Not employed - Due Diligence Vendor-11/07/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/06/2025 |  | Resolved-Not employed - Due Diligence Vendor-11/07/2025<br>| LTV is less than guideline maximum - MAXIMUM LTV IS 85 % AND THE BORROWERS ARE AT A 56.6% ltv.<br>Qualifying DTI below maximum allowed - Maximum DTI is 50% and the borrowers are at 28.18%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850478 | xxxxxx D B A | Closed | xxxxxx | 2025-11-07 12:01 | 2025-11-07 12:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-occupant co-borrowers not allowed per guidelines | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-11/10/2025 <br> Open-Allow non-occupant co-borrowers on a R/T refi. Lender approved exception in file. - Due Diligence Vendor-11/07/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-11/10/2025<br>| LTV is less than guideline maximum - MAXIMUM LTV IS 85 % AND THE BORROWERS ARE AT A 56.6% ltv.<br>Qualifying DTI below maximum allowed - Maximum DTI is 50% and the borrowers are at 28.18%. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 850478 | xxxxxx D B A | Closed | xxxxxx | 2025-11-05 12:22 | 2025-11-05 12:22 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-11/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-11/05/2025<br>| LTV is less than guideline maximum - MAXIMUM LTV IS 85 % AND THE BORROWERS ARE AT A 56.6% ltv.<br>Qualifying DTI below maximum allowed - Maximum DTI is 50% and the borrowers are at 28.18%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 850485 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 12:26 | 2025-11-03 11:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud Report for B2 - Due Diligence Vendor-11/03/2025 <br>Open-Third Party Fraud Report Partially Provided Missing for B2 - Due Diligence Vendor-10/28/2025 |  | Resolved-Received Fraud Report for B2 - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - We have 777 FICO - min is 660<br>Months Reserves exceed minimum required - Reserves have 54 mos in reserves - we needed 3 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850490 | xxxxxx C A | Closed | xxxxxx | 2025-12-03 09:17 | 2025-12-08 15:48 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-After further review, there is a UDM on fraud report. - Due Diligence Vendor-12/08/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). credit refresh dated xxxxxx - Due Diligence Vendor-12/03/2025 |  | Resolved-After further review, there is a UDM on fraud report. - Due Diligence Vendor-12/08/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 750 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850490 | xxxxxx C A | Closed | xxxxxx | 2025-11-29 17:39 | 2025-12-08 07:35 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC for lock Extension. Finding Resolved. - Due Diligence Vendor-12/08/2025 <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 $2,777.40.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 $2,777.40 (Rate Lock Extension Fee)a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2,777.40, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 Year: Expiration xxxxxx. - Due Diligence Vendor-11/29/2025 |  | Resolved------Received COC for lock Extension. Finding Resolved. - Due Diligence Vendor-12/08/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 750 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850514 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850560 | xxxxxx D A | Closed | xxxxxx | 2025-10-31 10:12 | 2025-11-24 16:55 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-1007 received with appraisal report. Market rents match the 1008. - Due Diligence Vendor-11/18/2025 <br>Open-Missing Third Party Market Rent Source Appraisal and 1007 missing - Due Diligence Vendor-10/31/2025 |  | Resolved-1007 received with appraisal report. Market rents match the 1008. - Due Diligence Vendor-11/18/2025<br>| Borrower down payment exceeds minimum require - down payment of $10,000<br>Months Reserves exceed minimum required - Required 2 months reserves - actual is 16.68 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850560 | xxxxxx D A | Closed | xxxxxx | 2025-10-31 11:42 | 2025-11-18 17:32 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal received. - Due Diligence Vendor-11/18/2025 <br> Counter-Received desk review-missing complete appraisal and 1007-dated xxxxxx value by appraiser xxxxxx - Due Diligence Vendor-11/17/2025 <br> Open-Appraisal is Missing Missing appraisal - Due Diligence Vendor-10/31/2025 |  | Resolved-Appraisal received. - Due Diligence Vendor-11/18/2025<br>| Borrower down payment exceeds minimum require - down payment of $10,000<br>Months Reserves exceed minimum required - Required 2 months reserves - actual is 16.68 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850570 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850588 | xxxxxx D B A | Closed | xxxxxx | 2025-10-22 11:54 | 2025-10-30 10:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Condo Rider | Resolved-After further review, this is not required. - Due Diligence Vendor-10/30/2025 <br>Open-Missing condo rider. - Due Diligence Vendor-10/22/2025 |  | Resolved-After further review, this is not required. - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 - we are at 736 - 36 pts above<br>Months Reserves exceed minimum required - We need 12 months - borrower has 33.29 mos remaining |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850588 | xxxxxx D B A | Closed | xxxxxx | 2025-10-22 12:01 | 2025-10-30 10:16 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Proof of investor experience provided.. - Due Diligence Vendor-10/30/2025 <br>Open-The Calculated DSCR of '0.916' is less than the minimum DSCR per lender guidelines of '1'. Firs time investor minimum DSCR = 1 - Due Diligence Vendor-10/22/2025 |  | Resolved-Proof of investor experience provided.. - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 - we are at 736 - 36 pts above<br>Months Reserves exceed minimum required - We need 12 months - borrower has 33.29 mos remaining |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850588 | xxxxxx D B A | Closed | xxxxxx | 2025-10-21 18:38 | 2025-10-30 10:10 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval provided. - Due Diligence Vendor-10/30/2025 <br>Open-Missing Approval/Underwriting Summary Missing Final 1008 for loan file - Due Diligence Vendor-10/21/2025 |  | Resolved-Approval provided. - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 - we are at 736 - 36 pts above<br>Months Reserves exceed minimum required - We need 12 months - borrower has 33.29 mos remaining |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850588 | xxxxxx D B A | Closed | xxxxxx | 2025-10-22 11:49 | 2025-10-30 10:09 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-EIN provided. - Due Diligence Vendor-10/30/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing EIN Number. - Due Diligence Vendor-10/22/2025 |  | Resolved-EIN provided. - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 - we are at 736 - 36 pts above<br>Months Reserves exceed minimum required - We need 12 months - borrower has 33.29 mos remaining |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850588 | xxxxxx D B A | Closed | xxxxxx | 2025-10-22 11:46 | 2025-10-30 10:06 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material finding with compensating factors. xxxxxx prepay to an LLC. - Due Diligence Vendor-10/30/2025 <br> Open-xxxxxx Prepay when signed as an LLC not allowed. - Due Diligence Vendor-10/22/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. xxxxxx prepay to an LLC. - Due Diligence Vendor-10/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 - we are at 736 - 36 pts above<br>Months Reserves exceed minimum required - We need 12 months - borrower has 33.29 mos remaining |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850588 | xxxxxx D B A | Closed | xxxxxx | 2025-10-22 12:03 | 2025-10-30 10:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-After further review , this is not required. - Due Diligence Vendor-10/30/2025 <br>Open-Missing initial disclosure. - Due Diligence Vendor-10/22/2025 |  | Resolved-After further review , this is not required. - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 - we are at 736 - 36 pts above<br>Months Reserves exceed minimum required - We need 12 months - borrower has 33.29 mos remaining |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850596 | xxxxxx C A | Closed | xxxxxx | 2025-10-20 11:01 | 2025-10-23 11:37 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Purchase Contract is not partially provided. - Due Diligence Vendor-10/23/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Need Addendum to Sales Contract showing EMD is $31500 - signed/dated by all parties (as this amount was on final CD for EMD). - Due Diligence Vendor-10/20/2025 |  | Resolved-Purchase Contract is not partially provided. - Due Diligence Vendor-10/23/2025<br>| LTV is less than guideline maximum - Max LTV is 65% - we are at 50%<br>Months Reserves exceed minimum required - We need 6 months - we have 43 mos in reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850605 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850609 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-15 15:07 | 2025-11-04 10:47 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Client provided a waiver for HOI policy effective date 1 day > disbursement date, applied to non material finding with comp factors - Due Diligence Vendor-11/04/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx The hazard insurance effective date is xxxxxx, the disbursement date is xxxxxx. - Due Diligence Vendor-10/15/2025 |  | Waived-Client provided a waiver for HOI policy effective date 1 day > disbursement date, applied to non material finding with comp factors - Due Diligence Vendor-11/04/2025<br>| Long term residence - Long Term Residence = 7+ years<br>Credit history exceeds minimum required - Credit History = 162 Months Minimum Credit History = 24 Months | DSCR exceeds minimum requirement under applicable guidelines<br> Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850609 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-16 09:53 | 2025-11-03 11:14 | Resolved | 1 - Information C A | Property | Appraisal | Valuation product is deficient | Resolved-Client confirmed the appraisal from xxxxxx was used for approval. - Due Diligence Vendor-11/03/2025 <br> Counter-Received Desk Review for 1004 dated xxxxxx. Missing appraisal completed by xxxxxx dated xxxxxx IAO xxxxxx. - Due Diligence Vendor-10/29/2025 <br> Open-appraisal reflects the appraiser as xxxxxx with a value of xxxxxx. CDA reflects the appraisal information as appraiser xxxxxx with a value of xxxxxx. Missing appraisal completed by xxxxxx. - Due Diligence Vendor-10/16/2025 |  | Resolved-Client confirmed the appraisal from xxxxxx was used for approval. - Due Diligence Vendor-11/03/2025 | Long term residence - Long Term Residence = 7+ years<br>Credit history exceeds minimum required - Credit History = 162 Months Minimum Credit History = 24 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850609 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-15 14:43 | 2025-11-03 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Received Confirmation the appraisal from xxxxxx was used for qualification. - Due Diligence Vendor-11/03/2025 <br> Counter-Client comments - This was not an acceptable appraisal, we did not use it. We just accidentally uploaded the incorrect review. - AUDIT Response - Please provide confirmation of the Appraisal used for qualification and Desk Review - Due Diligence Vendor-10/31/2025 <br> Counter-Review requires previous appraisal. Finding remains. Missing the appraisal dated xxxxxx completed by xxxxxx - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-10/30/2025 <br> Counter-Desk Review provided, however we are missing the appraisal dated xxxxxx completed by xxxxxx - Due Diligence Vendor-10/27/2025 <br> Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. The appraisal is dated xxxxxx, the CDA is dated xxxxxx. Missing the appraisal dated xxxxxx completed by xxxxxx - Due Diligence Vendor-10/15/2025 |  | Resolved-Received Confirmation the appraisal from xxxxxx was used for qualification. - Due Diligence Vendor-11/03/2025 | Long term residence - Long Term Residence = 7+ years<br>Credit history exceeds minimum required - Credit History = 162 Months Minimum Credit History = 24 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850609 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-16 09:07 | 2025-11-03 10:07 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Large deposits do not need to be sourced per guidelines. - Due Diligence Vendor-11/03/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements xxxxxx acct xxxxxx reflects 2 large deposits of $113,641.14 and 39,665.08 on 10/6/25. Source of large deposits not provided. - Due Diligence Vendor-10/16/2025 |  | Resolved-Large deposits do not need to be sourced per guidelines. - Due Diligence Vendor-11/03/2025<br>| Long term residence - Long Term Residence = 7+ years<br>Credit history exceeds minimum required - Credit History = 162 Months Minimum Credit History = 24 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850609 | xxxxxx D B A C | Closed | xxxxxx | 2025-10-16 10:32 | 2025-10-22 10:26 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received conditional approval - Due Diligence Vendor-10/22/2025 <br>Open-Missing Approval/Underwriting Summary 1008/lender loan approval is missing - Due Diligence Vendor-10/16/2025 |  | Resolved-Received conditional approval - Due Diligence Vendor-10/22/2025<br>| Long term residence - Long Term Residence = 7+ years<br>Credit history exceeds minimum required - Credit History = 162 Months Minimum Credit History = 24 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850610 | xxxxxx C A | Closed | xxxxxx | 2025-10-28 13:17 | 2025-11-11 11:38 | Resolved | 1 - Information C A | Credit | Eligibility | Leasehold does not meet guideline requirement | Resolved-Received leasehold terms. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/11/2025 <br> Counter-Received page 1 of ground lease recorded xxxxxx-provide all pages and ground lease amount must be considered in DSCR calculations. - Due Diligence Vendor-11/06/2025 <br> Open-Does the leasehold meet guideline requirements? If it does meet the requirements, update the condition status to Rescinded. Please provide documentation that reflects the lease hold expiration date. Lease hold expiration date must not be sooner that 5 years beyond the mortgage end date of xxxxxx. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received leasehold terms. - Due Diligence Vendor-11/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 700 - actual is 781 FICO<br>Months Reserves exceed minimum required - 3 months PITIA reserves required - actual is 405.28 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850610 | xxxxxx C A | Closed | xxxxxx | 2025-10-28 13:58 | 2025-11-06 12:33 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received loan summary - Due Diligence Vendor-11/06/2025 <br>Open-Missing Approval/Underwriting Summary missing - Due Diligence Vendor-10/28/2025 |  | Resolved-Received loan summary - Due Diligence Vendor-11/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 700 - actual is 781 FICO<br>Months Reserves exceed minimum required - 3 months PITIA reserves required - actual is 405.28 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850616 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850625 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850637 | xxxxxx C A | Closed | xxxxxx | 2025-10-02 15:25 | 2025-11-26 13:13 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received LOE - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Please see attached LOE from B1 - xxxxxx and Docu sign trail. Please clear this finding. - Seller-11/25/2025 <br> Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. No explanation found in uploaded documents - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. Please see attached LOE from B1 - xxxxxx and Docu sign trail. Please clear this finding. - Seller-11/25/2025 | Resolved-Received LOE - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 22.2%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 724 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850637 | xxxxxx C A | Closed | xxxxxx | 2025-10-02 15:07 | 2025-10-08 15:10 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. Please note that just because the Legal Description was not near the DOT does not mean it was not part of the DOT. Documents can get mixed in the delivery process. Exhibit A- Legal Description is on page 24 of 34. Please clear this finding or escalate to management. - Seller-10/06/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. Please note that just because the Legal Description was not near the DOT does not mean it was not part of the DOT. Documents can get mixed in the delivery process. Exhibit A- Legal Description is on page 24 of 34. Please clear this finding or escalate to management. - Seller-10/06/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-10/08/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 22.2%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 724 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850659 | xxxxxx D B A | Closed | xxxxxx | 2025-10-21 11:35 | 2025-10-30 10:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Upon further review, the loan file contained all required escrow account documentation. - Due Diligence Vendor-10/30/2025 <br>Open-Missing Initial Escrow Account Disclosure - Due Diligence Vendor-10/21/2025 |  | Resolved-Upon further review, the loan file contained all required escrow account documentation. - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 813, minimum required is 660.<br>DSCR % greater than 1.20 - Calculated DSCR is 2.898, guideline minimum is 1.0.<br>Months Reserves exceed minimum required - verified reserves equal 129.63 months, guidelines require 3 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850659 | xxxxxx D B A | Closed | xxxxxx | 2025-10-22 16:50 | 2025-10-30 10:10 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received originators loan summary worksheet. - Due Diligence Vendor-10/30/2025 <br>Open-Missing Approval/Underwriting Summary Missing the 1008/lender loan approval. - Due Diligence Vendor-10/24/2025 |  | Resolved-Received originators loan summary worksheet. - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 813, minimum required is 660.<br>DSCR % greater than 1.20 - Calculated DSCR is 2.898, guideline minimum is 1.0.<br>Months Reserves exceed minimum required - verified reserves equal 129.63 months, guidelines require 3 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850659 | xxxxxx D B A | Closed | xxxxxx | 2025-10-24 13:59 | 2025-10-24 14:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-The appraisal utilizes comp sale xxxxxx located xxxxxx miles from subject property, and this xxxxxx has xxxxxx. Exception form provided, waiver as non material with comp factors. - Due Diligence Vendor-01/09/2026 <br> Open-The appraisal utilizes comp sale 2 located xxxxxx miles from subject property, and this xxxxxx has xxxxxx. Exception form provided, non material with comp factors. - Due Diligence Vendor-10/24/2025 |  | Waived-The appraisal utilizes comp sale xxxxxx located xxxxxx miles from subject property, and this xxxxxx has xxxxxx. Exception form provided, waiver as non material with comp factors. - Due Diligence Vendor-01/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 813, minimum required is 660.<br>DSCR % greater than 1.20 - Calculated DSCR is 2.898, guideline minimum is 1.0.<br>Months Reserves exceed minimum required - verified reserves equal 129.63 months, guidelines require 3 months. | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines, DSCR DSCR > 1.3, Credit Score Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 850718 | xxxxxx D A | Closed | xxxxxx | 2025-10-22 12:09 | 2025-10-27 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation. - Due Diligence Vendor-10/27/2025 <br>Open-Loan is missing documentation of the Lender's calculated DSCR %. - Due Diligence Vendor-10/22/2025 |  | Resolved-Received DSCR Calculation. - Due Diligence Vendor-10/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 780; guidelines require 700.<br>Months Reserves exceed minimum required - 74.97 months reserves; 12 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850725 | xxxxxx D B A | Closed | xxxxxx | 2025-10-27 14:29 | 2025-11-25 16:53 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing current budget from HOA | Waived-Client exception granted to allow for Co-Op reserves less than 10% required. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-11/25/2025 <br> Counter-Received confirmation of reserves for Co-op $724,622.30. Reserves are shy 10% required for Co-Op - Due Diligence Vendor-11/18/2025 <br> Counter-Received budget. Budget provided did not reflect the required 10% reserves of annual budget as required by xxxxxx. - Due Diligence Vendor-11/05/2025 <br> Open-Missing current budget from HOA. xxxxxx requires a 10% minimum budget reserves for Co-op loans. - Due Diligence Vendor-10/27/2025 |  | Waived-Client exception granted to allow for Co-Op reserves less than 10% required. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-11/25/2025<br>| LTV is less than guideline maximum - LTV is 50% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 771 and minimum allowed is 80% | 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 2 - Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 850725 | xxxxxx D B A | Closed | xxxxxx | 2025-10-27 14:11 | 2025-11-04 10:56 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-11/04/2025 <br>Open-Secondary Valuation or Additional Valuation has not been entered per securitization requirements. A secondary valuation is required. - Due Diligence Vendor-10/27/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-11/04/2025<br>| LTV is less than guideline maximum - LTV is 50% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 771 and minimum allowed is 80% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850728 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 850735 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 15:28 | 2025-11-06 15:01 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history provided, spouse is sole owner since xxxxxx (HUD, Deed, Note, Mortgage). - Due Diligence Vendor-11/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent-free letter. Borrower is not on Note or Deed to primary residence. Rent-free LOX provided is from the borrower and is not acceptable as it needs to come from the party who owns the property - Due Diligence Vendor-11/05/2025 |  | Resolved-Housing history provided, spouse is sole owner since xxxxxx (HUD, Deed, Note, Mortgage). - Due Diligence Vendor-11/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - minimum fico 700 borrower fico 816<br>Months Reserves exceed minimum required - 2 months required reserves; borrower has 37 months of reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850747 | xxxxxx C B A | Closed | xxxxxx | 2025-11-21 09:49 | 2026-01-09 13:15 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received proof of SSI income. - Due Diligence Vendor-12/15/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-11/21/2025 |  | Resolved-Received proof of SSI income. - Due Diligence Vendor-12/15/2025<br>| Months Reserves exceed minimum required - Reserves = 9.78 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - <br> Required is 680 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.98 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850747 | xxxxxx C B A | Closed | xxxxxx | 2025-11-17 13:04 | 2025-12-15 10:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received updated 1003/1008 and proof of SSI income. - Due Diligence Vendor-12/15/2025 <br>Open-Audited DTI of 52.55% exceeds Guideline DTI of 50% Lender used I/O payment to qualify. - Due Diligence Vendor-11/17/2025 |  | Resolved-Received updated 1003/1008 and proof of SSI income. - Due Diligence Vendor-12/15/2025<br>| Months Reserves exceed minimum required - Reserves = 9.78 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - <br> Required is 680 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.98 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850747 | xxxxxx C B A | Closed | xxxxxx | 2025-11-17 06:51 | 2025-11-21 08:02 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/21/2025 <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. ----- Provide PCCD with disbursement date after the ROR expiration date xxxxxx. - Due Diligence Vendor-11/17/2025 |  | Resolved------Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/21/2025 | Months Reserves exceed minimum required - Reserves = 9.78 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - <br> Required is 680 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.98 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850747 | xxxxxx C B A | Closed | xxxxxx | 2025-11-16 10:35 | 2025-11-16 11:33 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-------Client waiver applied to non-material Findings. - Due Diligence Vendor-11/16/2025 <br> Open-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx - Due Diligence Vendor-11/16/2025 |  | Waived-------Client waiver applied to non-material Findings. - Due Diligence Vendor-11/16/2025<br>| Months Reserves exceed minimum required - Reserves = 9.78 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - <br> Required is 680 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.98 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 850747 | xxxxxx C B A | Closed | xxxxxx | 2025-11-16 10:35 | 2025-11-16 11:33 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived-------Client waiver applied to non-material Findings. - Due Diligence Vendor-11/16/2025 <br> Open-Borrower 2 Final Signature Date is greater than the transaction date of xxxxxx - Due Diligence Vendor-11/16/2025 |  | Waived-------Client waiver applied to non-material Findings. - Due Diligence Vendor-11/16/2025<br>| Months Reserves exceed minimum required - Reserves = 9.78 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - <br> Required is 680 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.98 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 850753 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850769 | xxxxxx C B A | Closed | xxxxxx | 2025-11-04 13:01 | 2025-11-05 09:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Product Type does not meet eligibility requirement(s) | Waived-Client waiver applied to non-material finding with compensating factors- Allow for no primary housing history as borrower is living with family members- however the borrower does own investment properties 3 of them 2 of which report on credit. (seasoned investor) - Due Diligence Vendor-11/05/2025 <br> Open-FTHB not allowed for Investment property. - Due Diligence Vendor-11/04/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors- Allow for no primary housing history as borrower is living with family members- however the borrower does own investment properties 3 of them 2 of which report on credit. (seasoned investor) - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 700 - actual FICO score is 755<br>Months Reserves exceed minimum required - Minimum reserves required is 6 months - actual is 91.35 months reserves. | DSCR 1.08<br> FICO 755<br> 0x30x60, current on credit<br> 90 months of reserves | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 850778 | xxxxxx D A | Closed | xxxxxx | 2025-10-21 11:45 | 2025-10-23 13:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, there is no requirement for a rent free letter in the guidelines. Other, rent free requirements met, max 80% LTV and DTI below 43%. - Due Diligence Vendor-10/23/2025 <br> Counter-Received LOE indicating living with daughter and perm home- Missing rent free letter from borrower's daughter to cover past 12 months. Per LOE and 1003 borrower has stayed at current address for 2 years. There are incomplete bank statements (missing pg 2) in the file showing prior home in xxxxxx however these do not cover the borrower's current address and would still require a rent free letter from the husband. Any portion of the 12 months rent free must be supported by a rent free letter. - Due Diligence Vendor-10/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter from borrower's daughter to cover past 12 months. Per LOE and 1003 borrower has stayed at current address for 2 years. There are incomplete bank statements (missing pg 2) in the file showing prior home in xxxxxx however these do not cover the borrower's current address and would still require a rent free letter from the husband. Any portion of the 12 months rent free must be supported by a rent free letter. - Due Diligence Vendor-10/21/2025 |  | Resolved-After further review, there is no requirement for a rent free letter in the guidelines. Other, rent free requirements met, max 80% LTV and DTI below 43%. - Due Diligence Vendor-10/23/2025<br>| LTV is less than guideline maximum - LTV = 39.76% - Max LTV = 75%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 787 Min FICO = 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850778 | xxxxxx D A | Closed | xxxxxx | 2025-10-21 11:59 | 2025-10-23 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Grant Deed moving from Trust. - Due Diligence Vendor-10/23/2025 <br>Open-Title Document is Incomplete Escrow instructions and title show subject will be vested in a trust however the borrower signed the note and mortgage individually. - Due Diligence Vendor-10/21/2025 |  | Resolved-Received Grant Deed moving from Trust. - Due Diligence Vendor-10/23/2025<br>| LTV is less than guideline maximum - LTV = 39.76% - Max LTV = 75%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 787 Min FICO = 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850811 | xxxxxx C A | Closed | xxxxxx | 2025-12-02 15:36 | 2025-12-18 09:33 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received proof debt belong to seller. - Due Diligence Vendor-12/18/2025 <br> Counter-Received incomplete demand payoff. Provide recorded satisfaction of judgment in the amount of $902.00 with xxxxxx or title supplement eliminating - Due Diligence Vendor-12/09/2025 <br> Open-Property Title Issue Provide recorded satisfaction of judgment in the amount of $902.00 with xxxxxx or title supplement eliminating - Due Diligence Vendor-12/02/2025 |  | Resolved-Received proof debt belong to seller. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797<br>LTV is less than guideline maximum - Required is 90 Borrower has 77.45 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850814 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850820 | xxxxxx D A | Closed | xxxxxx | 2025-10-24 08:46 | 2025-10-30 09:56 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-After further review, the max LTV is 65%. - Due Diligence Vendor-10/30/2025 <br>Open-Audited LTV of 64.69% exceeds Guideline LTV of 60% Maximum LTV for Cash out with DSCR <1 = 60% - Due Diligence Vendor-10/24/2025 |  | Resolved-After further review, the max LTV is 65%. - Due Diligence Vendor-10/30/2025<br>| Credit history exceeds minimum required - Credit History = 216 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Reserves = 46 months – Required Reserves = 12 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850820 | xxxxxx D A | Closed | xxxxxx | 2025-10-23 17:40 | 2025-10-30 09:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Deed of Trust Riders | Resolved-After further review, this is not required with this security agreement. - Due Diligence Vendor-10/30/2025 <br>Open-Missing 1-4 family rider to the mortgage. - Due Diligence Vendor-10/23/2025 |  | Resolved-After further review, this is not required with this security agreement. - Due Diligence Vendor-10/30/2025<br>| Credit history exceeds minimum required - Credit History = 216 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Reserves = 46 months – Required Reserves = 12 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850820 | xxxxxx D A | Closed | xxxxxx | 2025-10-22 22:19 | 2025-10-30 09:50 | Resolved | 1 - Information C A | Credit | Eligibility | Cash out is more than the maximum allowed per LTV guidelines | Resolved-After further review, the cash out is less than $500,000 - Due Diligence Vendor-10/30/2025 <br>Open-Maximum Cash out for DSCR < 1 is $500,000 - Due Diligence Vendor-10/23/2025 |  | Resolved-After further review, the cash out is less than $500,000 - Due Diligence Vendor-10/30/2025<br>| Credit history exceeds minimum required - Credit History = 216 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Reserves = 46 months – Required Reserves = 12 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850820 | xxxxxx D A | Closed | xxxxxx | 2025-10-22 15:21 | 2025-10-30 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-The borrower is a xxxxxx passport provided. - Due Diligence Vendor-10/30/2025 <br>Open-Borrower Citizenship Documentation Is Missing Id are missing - Due Diligence Vendor-10/22/2025 |  | Resolved-The borrower is a xxxxxx passport provided. - Due Diligence Vendor-10/30/2025<br>| Credit history exceeds minimum required - Credit History = 216 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Reserves = 46 months – Required Reserves = 12 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850820 | xxxxxx D A | Closed | xxxxxx | 2025-10-22 22:31 | 2025-10-30 09:42 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval received. - Due Diligence Vendor-10/30/2025 <br>Open-Missing Approval/Underwriting Summary Missing approval. - Due Diligence Vendor-10/24/2025 |  | Resolved-Approval received. - Due Diligence Vendor-10/30/2025<br>| Credit history exceeds minimum required - Credit History = 216 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Reserves = 46 months – Required Reserves = 12 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850828 | xxxxxx D A | Closed | xxxxxx | 2025-10-28 09:11 | 2025-11-06 12:52 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider verbiage noted in section 38 of security instrument. - Due Diligence Vendor-11/06/2025 <br>Counter-No document provided. Please provide missing PUD Rider. - Due Diligence Vendor-10/29/2025 <br>Open-PUD Rider is Missing Missing PUD Rider. - Due Diligence Vendor-10/28/2025 |  | Resolved-PUD Rider verbiage noted in section 38 of security instrument. - Due Diligence Vendor-11/06/2025 | Months Reserves exceed minimum required - 119.29 months reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 55% LTV. Allowed 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850830 | xxxxxx C B A | Closed | xxxxxx | 2025-10-28 13:29 | 2025-10-29 09:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-10/29/2025 <br> Open-Prepayment Penalty is not allowed. xxxxxx not allowed to vest in LLC if there is a prepayment penalty - Due Diligence Vendor-10/28/2025 |  | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-10/29/2025<br>| LTV is less than guideline maximum - 63.31% < 75% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - Fico of 709 exceeds min of 680 per guides |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 850830 | xxxxxx C B A | Closed | xxxxxx | 2025-10-28 13:35 | 2025-10-29 09:18 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-10/29/2025 <br>Open-Missing Approval/Underwriting Summary 1008 Not found in file - Due Diligence Vendor-10/28/2025 |  | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-10/29/2025<br>| LTV is less than guideline maximum - 63.31% < 75% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - Fico of 709 exceeds min of 680 per guides |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 850847 | xxxxxx C A | Closed | xxxxxx | 2025-11-17 23:08 | 2025-11-24 11:30 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH form completed by borrower. - Due Diligence Vendor-11/24/2025 <br>Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-11/18/2025 |  | Resolved-Received ACH form completed by borrower. - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - First Time Investors - minimum reserves are 12 months, Borrowers have 34.46 months<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.18 =/> 1.00 and minimum is 0.85 or Less |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850863 | xxxxxx C A | Closed | xxxxxx | 2025-10-20 09:50 | 2025-10-23 16:21 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received revised Commitment w/sufficient coverage. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Loan amount is xxxxxx, title coverage is xxxxxx which is insufficient coverage. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Received revised Commitment w/sufficient coverage. - Due Diligence Vendor-10/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 806<br>Months Reserves exceed minimum required - Minimum reserves are 2 months, Borrowers have 237.87 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850863 | xxxxxx C A | Closed | xxxxxx | 2025-10-20 13:12 | 2025-10-23 16:19 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. - Seller-10/21/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-10/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 806<br>Months Reserves exceed minimum required - Minimum reserves are 2 months, Borrowers have 237.87 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850863 | xxxxxx C A | Closed | xxxxxx | 2025-10-20 11:26 | 2025-10-23 16:19 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received policy date before closing with an effective date of xxxxxx - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Received policy date before closing with an effective date of xxxxxx - Due Diligence Vendor-10/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660, qualifying score is 806<br>Months Reserves exceed minimum required - Minimum reserves are 2 months, Borrowers have 237.87 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850898 | xxxxxx D A | Closed | xxxxxx | 2025-10-20 12:23 | 2025-10-31 16:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Final Settlement Statement. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. This was attached as the last page of the purchase contract in the original upload. Please see attached again herein. - Seller-10/30/2025 <br> Counter-Please provide Amendment 1 regarding the credit of $10,000.00. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Seller-10/27/2025 <br> Counter-Seller settlement is final, however the buyer settlement statement is preliminary. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. The document is marked as FINAL in the top right. It is the final. - Seller-10/24/2025 <br> Counter-Buyer settlement statement provided is preliminary. Please provide the the Final. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Audit used final 1003 for cash to close. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. This was attached as the last page of the purchase contract in the original upload. Please see attached again herein. - Seller-10/30/2025 <br>Ready for Review-Document Uploaded. - Seller-10/27/2025 <br>Ready for Review-Document Uploaded. The document is marked as FINAL in the top right. It is the final. - Seller-10/24/2025 <br>Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Received Final Settlement Statement. - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 821; minimum score 640.<br>Months Reserves exceed minimum required - 15 months > 2 required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850898 | xxxxxx D A | Closed | xxxxxx | 2025-10-20 13:51 | 2025-10-22 17:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received The HOA Questionnaire - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. - Seller-10/21/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Project must meet guidelines. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Received The HOA Questionnaire - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 821; minimum score 640.<br>Months Reserves exceed minimum required - 15 months > 2 required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850898 | xxxxxx D A | Closed | xxxxxx | 2025-10-21 09:40 | 2025-10-22 17:06 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received Revised Appraisal. Appraiser confirms long term rents - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. - Seller-10/21/2025 <br>Open-Appraiser to confirm whether the rental comps used are based a one year leases or short term properties. 1007 lists that they are 30 day rentals so it is unclear. If comps are based on short term rentals then only 80% of market rent is allowable and DSCR will fall below 1 which does not meet guidelines for first time investor. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Received Revised Appraisal. Appraiser confirms long term rents - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 821; minimum score 640.<br>Months Reserves exceed minimum required - 15 months > 2 required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850898 | xxxxxx D A | Closed | xxxxxx | 2025-10-20 13:42 | 2025-10-22 17:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received Certification of Trust. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. - Seller-10/21/2025 <br>Open-Title vested in trust, missing trust docs. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Received Certification of Trust. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 821; minimum score 640.<br>Months Reserves exceed minimum required - 15 months > 2 required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850902 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 850923 | xxxxxx D B C A | Closed | xxxxxx | 2025-11-21 16:12 | 2025-12-11 08:24 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-12/11/2025 <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 $420.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by $420 (Technology 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 $420, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-11/21/2025 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-12/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.88 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850923 | xxxxxx D B C A | Closed | xxxxxx | 2025-11-22 08:27 | 2025-12-09 07:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved------Received Right to Cancel signed by co-borrower xxxxxx. Finding Resolved. - Due Diligence Vendor-12/09/2025 <br> Counter------Received Notice of Right to Request a Reconsideration of Value. Need the Notice of Right to Cancel Refinancing with Original Creditor that is signed by the co-borrower xxxxxx. Finding Remains - Due Diligence Vendor-12/02/2025 <br> Open-Missing ROR for xxxxxx. - Due Diligence Vendor-11/22/2025 |  | Resolved------Received Right to Cancel signed by co-borrower xxxxxx. Finding Resolved. - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.88 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850923 | xxxxxx D B C A | Closed | xxxxxx | 2025-11-21 15:53 | 2025-12-09 07:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Collateral Protection Notice is Missing | Resolved-Received Collateral Protection Notice. Finding Resolved. - Due Diligence Vendor-12/02/2025 <br>Open-Collateral Protection Notice is Missing Missing Hazard Insurance Authorization and Requirements disclosure - Due Diligence Vendor-11/21/2025 |  | Resolved-Received Collateral Protection Notice. Finding Resolved. - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.88 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850923 | xxxxxx D B C A | Closed | xxxxxx | 2025-11-25 14:16 | 2025-11-25 14:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/25/2025 <br> Open-EXCEPTION in file New project, non-gut conversion in the last 3 years that does not have PERS approval<br> - Due Diligence Vendor-11/25/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 771<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.88 | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 2 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 850927 | xxxxxx C A | Closed | xxxxxx | 2025-12-04 14:55 | 2025-12-16 12:55 | 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-12/15/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending for housing payment. <br> - Due Diligence Vendor-12/04/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/15/2025<br>| Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - Actual is 25.56%. Required is 50 Borrower has 25.56<br>LTV is less than guideline maximum - Maximum LTV allowed is 85% - actual LTV is 80%. Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score required is 660 - actual FICO score is 729. Required is 660 Borrower has 729 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850927 | xxxxxx C A | Closed | xxxxxx | 2025-12-04 13:56 | 2025-12-15 10:31 | Resolved | 1 - Information C A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received receipt. Confirmed property with parcel number. - Due Diligence Vendor-12/15/2025 <br> Counter-Received screenprint. Unable to confirm property and when last payment paid. - Due Diligence Vendor-12/11/2025 <br> Open-The subject property is not current on taxes. Per title and tax account printout 2nd installment became delinquent xxxxxx. Past due taxes were not brought current at closing per final CD or post-close CD. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received receipt. Confirmed property with parcel number. - Due Diligence Vendor-12/15/2025<br>| Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - Actual is 25.56%. Required is 50 Borrower has 25.56<br>LTV is less than guideline maximum - Maximum LTV allowed is 85% - actual LTV is 80%. Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score required is 660 - actual FICO score is 729. Required is 660 Borrower has 729 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850927 | xxxxxx C A | Closed | xxxxxx | 2025-12-04 14:41 | 2025-12-11 11:17 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received mortgage statement. - Due Diligence Vendor-12/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing evidence September payment was paid as agreed for REO xxxxxx when transferred to new servicer. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received mortgage statement. - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - Actual is 25.56%. Required is 50 Borrower has 25.56<br>LTV is less than guideline maximum - Maximum LTV allowed is 85% - actual LTV is 80%. Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score required is 660 - actual FICO score is 729. Required is 660 Borrower has 729 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850928 | xxxxxx D A C | Closed | xxxxxx | 2025-11-17 09:20 | 2026-01-12 09:27 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-01/12/2026 <br> Resolved-Received 1004d confirming all items cured. - Due Diligence Vendor-11/26/2025 <br> Counter-Received revised as is appraisal-signature dates are the same yet no clarification on why change was made provided. Appraiser to clarify. - Due Diligence Vendor-11/21/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present - Due Diligence Vendor-11/17/2025 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-01/12/2026 <br>Resolved-Received 1004d confirming all items cured. - Due Diligence Vendor-11/26/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.071 Required is 0.01 Borrower has 1.071<br>LTV is less than guideline maximum - Required is 75 Borrower has 54.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850928 | xxxxxx D A C | Closed | xxxxxx | 2025-11-17 16:50 | 2025-11-26 10:27 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received EIN - Due Diligence Vendor-11/26/2025 <br> Counter-Business Entity Docs provided, however we are missing the EIN from the IRS. - Due Diligence Vendor-11/21/2025 <br> Counter-Received good standing, op agreement, art of incorp. Missing EIN and confirmation xxxxxx member is the same as our borrower xxxxxx. - Due Diligence Vendor-11/21/2025 <br> Open-The Business Entity Formation Document is incomplete - Due Diligence Vendor-11/17/2025 |  | Resolved-Received EIN - Due Diligence Vendor-11/26/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.071 Required is 0.01 Borrower has 1.071<br>LTV is less than guideline maximum - Required is 75 Borrower has 54.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850928 | xxxxxx D A C | Closed | xxxxxx | 2025-11-14 15:56 | 2025-11-26 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-11/21/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Occupancy cert in file does not suffice. - Due Diligence Vendor-11/17/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-11/21/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.071 Required is 0.01 Borrower has 1.071<br>LTV is less than guideline maximum - Required is 75 Borrower has 54.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850928 | xxxxxx D A C | Closed | xxxxxx | 2025-11-18 12:00 | 2025-11-26 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received guaranty agreement. - Due Diligence Vendor-11/21/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-11/18/2025 |  | Resolved-Received guaranty agreement. - Due Diligence Vendor-11/21/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.071 Required is 0.01 Borrower has 1.071<br>LTV is less than guideline maximum - Required is 75 Borrower has 54.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850928 | xxxxxx D A C | Closed | xxxxxx | 2025-11-14 16:27 | 2025-11-21 12:48 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received chain of title. - Due Diligence Vendor-11/21/2025 <br>Open-Unsatisfactory Chain of Title provided. Not showing on title. Must meet seasoning requirements for cash out refinance. - Due Diligence Vendor-11/14/2025 |  | Resolved-Received chain of title. - Due Diligence Vendor-11/21/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.071 Required is 0.01 Borrower has 1.071<br>LTV is less than guideline maximum - Required is 75 Borrower has 54.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850928 | xxxxxx D A C | Closed | xxxxxx | 2025-11-17 17:02 | 2025-11-21 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received complete preliminary title including schedule C. - Due Diligence Vendor-11/21/2025 <br> Open-Title Document is Incomplete Title appears to be missing pages, stops on exception #10. xxxxxx title generally has more than 10 exceptions. - Due Diligence Vendor-11/17/2025 |  | Resolved-Received complete preliminary title including schedule C. - Due Diligence Vendor-11/21/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.071 Required is 0.01 Borrower has 1.071<br>LTV is less than guideline maximum - Required is 75 Borrower has 54.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850944 | xxxxxx D A | Closed | xxxxxx | 2025-10-30 15:33 | 2025-11-03 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Foreign National Alternative Credit Documentation is Missing | Resolved-After further review, this is now required. - Due Diligence Vendor-11/03/2025 <br>Open-The Alternative Credit Documentation for Foreign National is Missing. Missing alternative credit docs. - Due Diligence Vendor-10/30/2025 |  | Resolved-After further review, this is now required. - Due Diligence Vendor-11/03/2025<br>| LTV is less than guideline maximum - Maximum LTV is 75% - actual is 50% LTV<br>Months Reserves exceed minimum required - Required is 6 months reserves - actual is 34.15 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850953 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850955 | xxxxxx C A | Closed | xxxxxx | 2025-11-03 10:37 | 2025-11-24 10:09 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved--Client confirmed PPP is 36 months and matches closing documents. - Due Diligence Vendor-11/24/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. - Due Diligence Vendor-11/14/2025 |  | Resolved--Client confirmed PPP is 36 months and matches closing documents. - Due Diligence Vendor-11/24/2025<br>| LTV is less than guideline maximum - LTV per G/L is 75%, BRW LTV is 47.69%<br>Months Reserves exceed minimum required - Minimum reserves required = 6 months PITI(a) for the subject property. The borrower has 95.1 months PITI(a) |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850956 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850958 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850961 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 16:58 | 2025-11-21 17:24 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received 1031 and evidence of additional deposits-sufficient reserves verified. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. xxxxxx was from xxxxxx and attached bank statement was disclosed in file.<br> xxxxxx was from 1031 exchange and the related documents were also sent previously - attached again. $45 is a service fee. - Seller-11/20/2025 <br> Counter-Received PCCD and Wire Receipt for xxxxxx that reflects "not provided" for originator bank and Wire Receipt for xxxxxx from a xxxxxx account not disclosed. Source of funds not disclosed. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Please review the attached PCCD - Seller-11/17/2025 <br> Counter-Received escrow receipt - insufficient assets validated-only xxxxxx EMD validated. Provide verification of sufficient funds to close and reserves. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. see attached. - Seller-11/12/2025 <br> Open-Missing source of funds from PCCD in the amount of xxxxxx - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. xxxxxx was from xxxxxx and attached bank statement was disclosed in file.<br> xxxxxx was from 1031 exchange and the related documents were also sent previously - attached again. $45 is a service fee. - Seller-11/20/2025 <br> Ready for Review-Document Uploaded. Please review the attached PCCD - Seller-11/17/2025 <br> Ready for Review-Document Uploaded. see attached. - Seller-11/12/2025 | Resolved-Received 1031 and evidence of additional deposits-sufficient reserves verified. - Due Diligence Vendor-11/21/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x48 On time mortgage history exceeds guideline requirement 1x30 during the past 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 807 is higher than 680 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850961 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 11:26 | 2025-11-21 17:22 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Less Than 2 Months Verified | Resolved-Received aug statement. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. Please find the aug statement - Seller-11/12/2025 <br> Open-Asset 3 Less Than 2 Months Verified Per guidelines Investment balances (stocks, bonds, mutual funds, savings bonds, etc.): Verified via a VOD or <br> statements covering a minimum of 2 months - Missing 2 months statements - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. Please find the aug statement - Seller-11/12/2025<br>| Resolved-Received aug statement. - Due Diligence Vendor-11/13/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x48 On time mortgage history exceeds guideline requirement 1x30 during the past 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 807 is higher than 680 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850961 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 11:26 | 2025-11-21 17:22 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Less Than 2 Months Verified | Resolved-Received 2 mos for IRA. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. august statement attached - Seller-11/14/2025 <br> Counter-For clarification-please provide 2nd month xxxxxx IRA - file has only Sept statement. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-which asset 4? Please remove this condition or clarify the account name. - Seller-11/12/2025 <br> Open-Asset 4 Less Than 2 Months Verified Per guidelines, Investment balances (stocks, bonds, mutual funds, savings bonds, etc.): Verified via a VOD or <br> statements covering a minimum of 2 months - Missing 2 months statements - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. august statement attached - Seller-11/14/2025 <br>Ready for Review-which asset 4? Please remove this condition or clarify the account name. - Seller-11/12/2025<br>| Resolved-Received 2 mos for IRA. - Due Diligence Vendor-11/17/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x48 On time mortgage history exceeds guideline requirement 1x30 during the past 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 807 is higher than 680 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850961 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 16:55 | 2025-11-21 17:22 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received receipt for xxxxxx and xxxxxx - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Could you please explain why those funds are insufficient? - Seller-11/14/2025 <br> Counter-Received escrow receipt - insufficient assets validated-only xxxxxx EMD validated. Provide verification of sufficient funds to close and reserves. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. Please find the attached closing funds receipt and wire confirmation - Seller-11/12/2025 <br> Open-Total Qualified Assets Post-Close amount is 'xxxxxx'. Assets are Insufficient. Missing source of funds from PCCD in the amount of xxxxxx and xxxxxx - Due Diligence Vendor-11/05/2025 | Ready for Review-Could you please explain why those funds are insufficient? - Seller-11/14/2025 <br>Ready for Review-Document Uploaded. Please find the attached closing funds receipt and wire confirmation - Seller-11/12/2025<br>| Resolved-Received receipt for $194600.05 and $28000 - Due Diligence Vendor-11/17/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x48 On time mortgage history exceeds guideline requirement 1x30 during the past 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 807 is higher than 680 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850961 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 17:01 | 2025-11-18 17:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Note, CD for xxxxxx. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Both of xxxxxx were concurrently closed purchase transaction. Because it was a purchase transaction in xxxxxx, the tax was calculated using (sales price x 0.0125)/12 For xxxxxx: xxxxxx For xxxxxx: xxxxxx Please waive this condition.<br>Please find the FCD,note, and insurance for xxxxxx - Seller-11/17/2025 <br> Counter-Review is not able to use documentation for another loan package-please upload. TIA for xxxxxx - missing taxes xxxxxx - taxes missing xxxxxx- listed on final 1003 no docs provided - Due Diligence Vendor-11/13/2025 <br> Ready for Review-The same condition has been waived on the concurrent file. Please review the tax condition from xxxxxx xxxxxx, and waive. - Seller-11/12/2025 <br> Open-xxxxxx - missing taxes<br> xxxxxx - taxes missing <br> xxxxxx- listed on final 1003 no docs provided <br>- Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. Both of xxxxxx were concurrently closed purchase transaction. Because it was a purchase transaction in xxxxxx, the tax was calculated using (sales price x 0.0125)/12 For xxxxxx: xxxxxx For xxxxxx: xxxxxx Please waive this condition.<br>Please find the FCD,note, and insurance for xxxxxx - Seller-11/17/2025 <br> Ready for Review-The same condition has been waived on the concurrent file. Please review the tax condition from xxxxxx and waive. - Seller-11/12/2025 | Resolved-Received Note, CD for xxxxxx. - Due Diligence Vendor-11/18/2025 | On time mortgage history exceeds guideline requirement - 0x30x48 On time mortgage history exceeds guideline requirement 1x30 during the past 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 807 is higher than 680 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850961 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 10:28 | 2025-11-18 17:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received xxxxxx validation. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. Please find the attachment - Seller-11/12/2025 <br>Open-Borrower 1 CPA Letter Missing CPA Letter provided. However, documentation confirming the tax preparer's licensure is currently missing, as required by the guidelines. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. Please find the attachment - Seller-11/12/2025<br>| Resolved-Received xxxxxx validation. - Due Diligence Vendor-11/13/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x48 On time mortgage history exceeds guideline requirement 1x30 during the past 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 807 is higher than 680 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850961 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 16:35 | 2025-11-18 17:00 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received internet validation of business phone number. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. Please find the attached - Seller-11/12/2025 <br> Open-Income and Employment Do Not Meet Guidelines Missing - Business phone number verification via xxxxxx, 411.com or internet is required OR CPA must verify the borrower's nature of business and confirm that the business phone number is<br> not required for the type of business being operated by the borrower. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. Please find the attached - Seller-11/12/2025<br>| Resolved-Received internet validation of business phone number. - Due Diligence Vendor-11/13/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x48 On time mortgage history exceeds guideline requirement 1x30 during the past 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 807 is higher than 680 minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850962 | xxxxxx D A | Closed | xxxxxx | 2025-10-22 13:43 | 2025-10-27 11:08 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received 1007 - Due Diligence Vendor-10/27/2025 <br>Open-Missing Third Party Market Rent Source - Due Diligence Vendor-10/22/2025 |  | Resolved-Received 1007 - Due Diligence Vendor-10/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 762 Qualifying FICO score is at least 20 points above minimum for program 700<br>Months Reserves exceed minimum required - 48 Months Reserves exceed minimum required 12 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850962 | xxxxxx D A | Closed | xxxxxx | 2025-10-21 22:00 | 2025-10-27 11:06 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-10/27/2025 <br>Open-Appraisal is Missing - Appraisal is Missing with 1007 - Due Diligence Vendor-10/22/2025 |  | Resolved-Received Appraisal - Due Diligence Vendor-10/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 762 Qualifying FICO score is at least 20 points above minimum for program 700<br>Months Reserves exceed minimum required - 48 Months Reserves exceed minimum required 12 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850978 | xxxxxx D A | Closed | xxxxxx | 2025-11-19 20:22 | 2025-12-05 07:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved------Received signed CD xxxxxx. Finding Resolved. - Due Diligence Vendor-12/05/2025 <br> Counter-----We are missing the CD from Closing on xxxxxx. Please provide a copy of the signed closing CD. Finding Remains. - Due Diligence Vendor-11/26/2025 <br> Open-TRID: Missing Final Closing Disclosure -----Missing Final CD, additional findings may apply - Due Diligence Vendor-11/20/2025 |  | Resolved------Received signed CD xxxxxx. Finding Resolved. - Due Diligence Vendor-12/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min required is 740, Borrower has 770 Required is 740 Borrower has 770<br>LTV is less than guideline maximum - Max is 90%, Borrower has 80% Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Max is 50%, Borrower has 41.56% Required is 50 Borrower has 41.56 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 850984 | xxxxxx D A | Closed | xxxxxx | 2025-10-22 10:18 | 2025-10-24 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Upon further review, loan closed with an escrow account for taxes and insurance as required by the guidelines. - Due Diligence Vendor-10/24/2025 <br>Open-Missign disclosure. - Due Diligence Vendor-10/22/2025 |  | Resolved-Upon further review, loan closed with an escrow account for taxes and insurance as required by the guidelines. - Due Diligence Vendor-10/24/2025<br>| LTV is less than guideline maximum - LTV max is 65% and loan is 50%. <br>DSCR % greater than 1.20 - Min DSCR is 1.2 and calculated is 1.765. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850993 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851001 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851092 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851120 | xxxxxx C A | Closed | xxxxxx | 2025-10-20 09:54 | 2025-11-05 10:20 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Explanation for the desk review provided. LOX for moving is not required per the guides. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-xxxxxx guidelines do not require a letter of explanation when a borrower is downsizing properties and borrower is unmarried with no children, moving from a xxxxxx. Please clear finding. - Seller-11/03/2025 <br> Counter-No document uploaded. The downsizing needs to be addressed by the borrower. Finding remains - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Since this is a purchase at the time the DVR was order there was no one living at the property so they list it as non-owner. Please clear finding. - Seller-10/28/2025 <br> Open-The Desk Review in the file (page 9) was done as a non-owner occupied review. The borrower is purchasing the property as a primary residence. The borrower is downsizing from their departing residence to the subject. The downsizing needs to be addressed by the borrower and the reason an non-owner occupied review product was performed also needs to be addressed by the lender. - Due Diligence Vendor-10/20/2025 | Ready for Review-xxxxxx guidelines do not require a letter of explanation when a borrower is downsizing properties and borrower is unmarried with no children, moving from a xxxxxx. Please clear finding. - Seller-11/03/2025 <br> Ready for Review-Since this is a purchase at the time the DVR was order there was no one living at the property so they list it as non-owner. Please clear finding. - Seller-10/28/2025 | Resolved-Explanation for the desk review provided. LOX for moving is not required per the guides. - Due Diligence Vendor-11/05/2025<br>| Qualifying DTI below maximum allowed - 50% allowed, subject 34.62% <br>Qualifying FICO score is at least 20 points above minimum for program - 660 required, subject 701 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851120 | xxxxxx C A | Closed | xxxxxx | 2025-10-17 14:32 | 2025-10-23 16:50 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. COC for lender credit, please clear finding. - Seller-10/21/2025 <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 ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($228.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender credit decreased from $228 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $228, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. COC for lender credit, please clear finding. - Seller-10/21/2025<br>| Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-10/23/2025<br>| Qualifying DTI below maximum allowed - 50% allowed, subject 34.62% <br>Qualifying FICO score is at least 20 points above minimum for program - 660 required, subject 701 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851132 | xxxxxx C A | Closed | xxxxxx | 2025-10-10 12:21 | 2025-10-23 16:13 | Resolved | 1 - Information C A | Property | Property Issue | xxxxxx has issues | Resolved-Received revised appraisal confirming xxxxxx present. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Ready for Review-the appraisal did not show any deficiencies, can we clear this. - Seller-10/21/2025 <br> Open-Appraisal missing evidence that the subject property contains state required xxxxxx, per First Alert website - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025 <br>Ready for Review-the appraisal did not show any deficiencies, can we clear this. - Seller-10/21/2025<br>| Resolved-Received revised appraisal confirming xxxxxx present. - Due Diligence Vendor-10/23/2025 | Months Reserves exceed minimum required - 64.71 months reserves; 6 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 789; guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851132 | xxxxxx C A | Closed | xxxxxx | 2025-10-10 15:15 | 2025-10-17 13:19 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received pay statements supporting income considered. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. please find ytd paystub. - Seller-10/16/2025 <br> Open-Income and Employment Do Not Meet Guidelines Missing YTD Paystub for B1- xxxxxx to support $8,333.33 per month xxxxxx Hire Date) - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. please find ytd paystub. - Seller-10/16/2025<br>| Resolved-Received pay statements supporting income considered. - Due Diligence Vendor-10/17/2025<br>| Months Reserves exceed minimum required - 64.71 months reserves; 6 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 789; guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851132 | xxxxxx C A | Closed | xxxxxx | 2025-10-09 09:33 | 2025-10-16 15:14 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. please find the coc - Seller-10/16/2025 <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 ($1,008.13) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,016.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from$2,016.00 to $1,008.13 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1007.87, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. please find the coc - Seller-10/16/2025<br>| Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-10/16/2025<br>| Months Reserves exceed minimum required - 64.71 months reserves; 6 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 789; guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851138 | xxxxxx C A | Closed | xxxxxx | 2025-10-15 11:07 | 2025-11-10 16:10 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Retirement statement provided. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Please re-look at the page marked annual, the print out shows it shows from 9/24/2024 through 9/30/2025. The prints out covers over 60 days. Please clear finding. - Seller-11/04/2025 <br> Counter-Received printout from IRA account--1. Missing liquid funds for closing-IRA only a withdrawal amount may be considered. Guidelines page 61 section (e). 2. IRA for consideration as reserves-provide VOD or 2 months bank statements and 70% of value may be considered. (FYI-EMD clearance has not been provided and may be reason short funds for closing) - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. Pages for the IRA were uploaded separately, xxxxxx.com. Page 3 shows borrower's name and address, please clear finding. - Seller-10/20/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-570.07'. Assets are Insufficient. The borrower has insufficient assets for reserves. The loan file contains an IRA printout; however, there is no indication that the IRA belongs to the borrower. - Due Diligence Vendor-10/15/2025 | Ready for Review-Please re-look at the page marked annual, the print out shows it shows from 9/24/2024 through 9/30/2025. The prints out covers over 60 days. Please clear finding. - Seller-11/04/2025 <br> Ready for Review-Document Uploaded. Pages for the IRA were uploaded separately, xxxxxx.com. Page 3 shows borrower's name and address, please clear finding. - Seller-10/20/2025 | Resolved-Retirement statement provided. - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 711 Min FICO = 680<br>LTV is less than guideline maximum - LTV = 85% - Max LTV = 90% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 851138 | xxxxxx C A | Closed | xxxxxx | 2025-10-15 13:12 | 2025-11-06 11:34 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-After further review, this is a 2-year full doc loan. The guides indicate for borrowers that have been receiving a 1099 or have recently transitioned from a W2 to a 1099 yet are still in the same position doing the same functions, a 1099 can be used in lieu of a W2 or 1040. The file contains proof the borrower is a xxxxxx and his current company since xxxxxx and was previously a xxxxxx from xxxxxx. - Due Diligence Vendor-11/06/2025 <br> Counter-Review is unable to confirm meets guidelines page 31-borrower must in same position doing same function and WVoe confirms started xxxxxx and previous VOI does not support same position. Finding remains - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Borrowers that have recently transitioned from a W2 to a 1099 yet are still in the same position doing the same functions it acceptable. Verification from employer and previous tax return confirm the borrower is in xxxxxx. Please clear finding. - Seller-10/20/2025 <br> Open-Income and Employment Do Not Meet Guidelines Borrower was previously W2 wage earner. Borrower switched employment and became a 1099 xxxxxx. Borrower started employment xxxxxx. Borrower does not have 12 months of self-employment income. Borrower claimed the 1099 income on the schedule C however there is not enough info/time to determine an expense ratio. Lender calculated income based on YTD income with only a WVOE. - Due Diligence Vendor-10/15/2025 | Ready for Review-Borrowers that have recently transitioned from a W2 to a 1099 yet are still in the same position doing the same functions it acceptable. Verification from employer and previous tax return confirm the borrower is in xxxxxx. Please clear finding. - Seller-10/20/2025 | Resolved-After further review, this is a 2-year full doc loan. The guides indicate for borrowers that have been receiving a 1099 or have recently transitioned from a W2 to a 1099 yet are still in the same position doing the same functions, a 1099 can be used in lieu of a W2 or 1040. The file contains proof the borrower is a xxxxxx and his current company since xxxxxx and was previously a xxxxxx from xxxxxx. - Due Diligence Vendor-11/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 711 Min FICO = 680<br>LTV is less than guideline maximum - LTV = 85% - Max LTV = 90% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 851138 | xxxxxx C A | Closed | xxxxxx | 2025-10-14 11:48 | 2025-10-28 17:04 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no further documentation is needed or required. Title Fees were shopped for. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Disagree: This is a purchase transaction. The borrower is provided the option to choose the provider for title services including for signing. On initial disclosures, xxxxxx provided the provider xxxxxx for title and settlement services. The borrower, instead, chose the firms xxxxxx and xxxxxx Title for title services and xxxxxx for the signing. Because the borrower chose their own provider, the 0% tolerance fee limits no longer apply to these fees. No refund is owed, please clear finding. - Seller-10/28/2025 <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 $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $200 (Notary - Signing Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $200, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 year, expiration date xxxxxx<br> - Due Diligence Vendor-10/14/2025 | Ready for Review-Disagree: This is a purchase transaction. The borrower is provided the option to choose the provider for title services including for signing. On initial disclosures, xxxxxx provided the provider xxxxxx for title and settlement services. The borrower, instead, chose the firms xxxxxx and xxxxxx Title for title services and xxxxxx for the signing. Because the borrower chose their own provider, the 0% tolerance fee limits no longer apply to these fees. No refund is owed, please clear finding. - Seller-10/28/2025 | Resolved-Upon further review, no further documentation is needed or required. Title Fees were shopped for. - Due Diligence Vendor-10/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 711 Min FICO = 680<br>LTV is less than guideline maximum - LTV = 85% - Max LTV = 90% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 851149 | xxxxxx D A | Closed | xxxxxx | 2025-10-17 09:38 | 2025-11-04 14:57 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Received April stmnt xxxxxx. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. 10 mo were in original file uploaded please cler. - Seller-10/31/2025 <br> Counter-Business bank statement received reflects only 9 bank statements-minimum of 10 required-provide complete 10 month business bank statement analysis and confirmation only 10 mons vs 12 available per guidelines. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. loan was UW with missing statements as per guides we are ok as the income was averaged over 12 months, please clear. - Seller-10/22/2025 <br> Open-Only 10 months of bank statements were provided for the xxxxxx account ending 8459 and the April 2025 statement for the xxxxxx account was not provided. This was how the loan was submitted as the bank statement review and income desk summary provided by the originator show the missing bank statements. No exception was identified in the file. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. 10 mo were in original file uploaded please cler. - Seller-10/31/2025 <br>Ready for Review-Document Uploaded. loan was UW with missing statements as per guides we are ok as the income was averaged over 12 months, please clear. - Seller-10/22/2025<br>| Resolved-Received April stmnt xxxxxx. - Due Diligence Vendor-11/04/2025 | Months Reserves exceed minimum required - 3 months required, subject 75 <br>Qualifying DTI below maximum allowed - 50% Allowed, subject 19.1% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851149 | xxxxxx D A | Closed | xxxxxx | 2025-10-17 09:40 | 2025-11-04 14:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received mtg stmnt and hoa statement (land only) - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. this property is on a land loan, please find docs and clear. - Seller-10/31/2025 <br> Open-No verification for PITIA for xxxxxx was identified in the file. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. this property is on a land loan, please find docs and clear. - Seller-10/31/2025<br>| Resolved-Received mtg stmnt and hoa statement (land only) - Due Diligence Vendor-11/04/2025<br>| Months Reserves exceed minimum required - 3 months required, subject 75 <br>Qualifying DTI below maximum allowed - 50% Allowed, subject 19.1% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851151 | xxxxxx C A | Closed | xxxxxx | 2025-10-15 14:17 | 2025-10-22 11:45 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. please find the coc - Seller-10/20/2025 <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 ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,500.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $2,500.00 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2,500.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. please find the coc - Seller-10/20/2025<br>| Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 722 is higher than the required 640<br>LTV is less than guideline maximum - LTV 63.33% is lower than maximum 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851151 | xxxxxx C A | Closed | xxxxxx | 2025-10-15 14:17 | 2025-10-22 11:39 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Rec'd borrower's receipt of CD. Finding resolved. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. please find the e signed proof for xxxxxx - Seller-10/20/2025 <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. ----- Initial CD xxxxxx and xxxxxx are not signed by the borrower and there is no proof in file received prior to closing. CD dated xxxxxx if using the xxxxxx Mail date would be delivered after the closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx<br> - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. please find the e signed proof for xxxxxx - Seller-10/20/2025 | Resolved-Rec'd borrower's receipt of CD. Finding resolved. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 722 is higher than the required 640<br>LTV is less than guideline maximum - LTV 63.33% is lower than maximum 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851151 | xxxxxx C A | Closed | xxxxxx | 2025-10-15 14:17 | 2025-10-22 11:39 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Rec'd borrower's receipt of LE. Finding resolved. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. initial LE and docs sent on 9/17 consented and e signed and returned on 9/23 hard copy. please clear. - Seller-10/20/2025 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----- LE issued xxxxxx and received by borrower xxxxxx is after the initial CD issued xxxxxx Revised LE dated xxxxxx and received by borrower xxxxxx is after the initial CD. An LE may not be issued/delivered to borrower after the initial CD has been issued. Per statute, there is no cure for this violation. Statue of Limitations - 1 year, expiration date xxxxxx.<br> - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. initial LE and docs sent on 9/17 consented and e signed and returned on 9/23 hard copy. please clear. - Seller-10/20/2025<br>| Resolved-Rec'd borrower's receipt of LE. Finding resolved. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 722 is higher than the required 640<br>LTV is less than guideline maximum - LTV 63.33% is lower than maximum 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851152 | xxxxxx C B A | Closed | xxxxxx | 2025-10-16 14:38 | 2025-10-23 16:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-File contains documentation that Originator considered xxxxxx . TPR and appraiser considered xxxxxx however, originator considered xxxxxx. Waived as non material finding with comp factors. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Please clear xxxxxx does not consider this rural, as we determine the property not the appraiser please clear. - Seller-10/22/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Loan is considered xxxxxx by appraiser and TPR. Provide confirmation that originator did not categorize the property as xxxxxx, if determined to be xxxxxx, additional findings may apply - Due Diligence Vendor-10/17/2025 | Ready for Review-Please clear xxxxxx does not consider this rural, as we determine the property not the appraiser please clear. - Seller-10/22/2025 | Waived-File contains documentation that Originator considered xxxxxx . TPR and appraiser considered xxxxxx however, originator considered xxxxxx. Waived as non material finding with comp factors. - Due Diligence Vendor-10/23/2025 | LTV is less than guideline maximum - 56.32% LTV is less than 70% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 600, qualifying score is 647 | LTV: 60%<70% allowed<br> FICO: 647>600 minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 851153 | xxxxxx D A C | Closed | xxxxxx | 2025-10-21 09:17 | 2025-10-24 14:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Undisclosed Debt Verification - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. find the UDM for review. report date is xxxxxx - Seller-10/22/2025 <br> Open-Gap Credit Report is Missing from file - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. find the UDM for review. report date is xxxxxx - Seller-10/22/2025 | Resolved-Received Undisclosed Debt Verification - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The minimum fico score requires is 600, the borrower has 643<br>LTV is less than guideline maximum - The max LTV is 60% The borrower is at 17.39% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851153 | xxxxxx D A C | Closed | xxxxxx | 2025-10-17 14:03 | 2025-10-24 08:01 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COC for fee increase. Finding resolved. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. please find the coc for 1375 - Seller-10/22/2025 <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 $1,375.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $1,375.00 (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 $1,375.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expires xxxxxx.<br> - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. please find the coc for 1375 - Seller-10/22/2025<br>| Resolved-Rec'd COC for fee increase. Finding resolved. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The minimum fico score requires is 600, the borrower has 643<br>LTV is less than guideline maximum - The max LTV is 60% The borrower is at 17.39% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851153 | xxxxxx D A C | Closed | xxxxxx | 2025-10-17 14:03 | 2025-10-24 07:58 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Rec'd borrower acknowledgment of disclosure. Finding resolved. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. please find consented CD - Seller-10/22/2025 <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. ----- Initial CD xxxxxx is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. please find consented CD - Seller-10/22/2025<br>| Resolved-Rec'd borrower acknowledgment of disclosure. Finding resolved. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The minimum fico score requires is 600, the borrower has 643<br>LTV is less than guideline maximum - The max LTV is 60% The borrower is at 17.39% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851153 | xxxxxx D A C | Closed | xxxxxx | 2025-10-17 14:03 | 2025-10-24 07:58 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. please find the coc - Seller-10/22/2025 <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 ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($875.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $875.00 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $875.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. please find the coc - Seller-10/22/2025<br>| Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The minimum fico score requires is 600, the borrower has 643<br>LTV is less than guideline maximum - The max LTV is 60% The borrower is at 17.39% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851160 | xxxxxx D B A | Closed | xxxxxx | 2025-09-29 12:43 | 2025-10-24 10:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator waiver applied to non material finding with comp factors. Waiver granted to used 80% LTV with 665 FICO. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. please find correct exception - Seller-10/01/2025 <br> Open-Audited FICO of 665 is less than Guideline FICO of 680 An exception was present in the file pg 1129 to go 80%. The exception cites a 656 score with a needed score of 660 to go 80% on a rate/term refinance. The mid fico score is 665, not 656 and the loan is a cash out refinance with the borrower's obtaining $80,000. The borrower has owned the property since xxxxxx. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. please find correct exception - Seller-10/01/2025<br>| Waived-Originator waiver applied to non material finding with comp factors. Waiver granted to used 80% LTV with 665 FICO. - Due Diligence Vendor-10/03/2025<br>| Qualifying DTI below maximum allowed - 50% allowed 32% verified <br>Long term residence - 10 years in departing residence. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 851160 | xxxxxx D B A | Closed | xxxxxx | 2025-09-29 12:43 | 2025-10-24 10:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator waiver applied to non material finding with comp factors. Waiver to used 5 months reserves instead of the 6 months required. - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Document Uploaded. please find the exception - Seller-10/01/2025 <br>Open-Audited Reserves of 5.08 month(s) are less than Guideline Required Reserves of 6 month(s) 6 months reserves are required. Only 5 months were verified. 3 bank statements were cited but the average remaining balances were -958 pg 334, $141 pg 412, and $13.97 pg 384 resulting in a negative balance. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. please find the exception - Seller-10/01/2025<br>| Waived-Originator waiver applied to non material finding with comp factors. Waiver to used 5 months reserves instead of the 6 months required. - Due Diligence Vendor-10/03/2025<br>| Qualifying DTI below maximum allowed - 50% allowed 32% verified <br>Long term residence - 10 years in departing residence. | DTI 33% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 851160 | xxxxxx D B A | Closed | xxxxxx | 2025-09-29 12:50 | 2025-10-20 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Taxes and insurance provided. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. please find the tax and ins - Seller-10/20/2025 <br> Counter-received LOE--PITIA documentation of Departing Residence required and to be considered in the dti per guidelines page 49. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. the departing residence is being sold. please see attached. - Seller-10/08/2025 <br> Open-No verification for the taxes and insurance on the departing residence xxxxxx was identified in the file. This is required. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. please find the tax and ins - Seller-10/20/2025 <br>Ready for Review-Document Uploaded. the departing residence is being sold. please see attached. - Seller-10/08/2025<br>| Resolved-Taxes and insurance provided. - Due Diligence Vendor-10/20/2025<br>| Qualifying DTI below maximum allowed - 50% allowed 32% verified <br>Long term residence - 10 years in departing residence. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851182 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851202 | xxxxxx D A | Closed | xxxxxx | 2025-10-20 08:07 | 2025-11-05 12:13 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-After further review, the inquiries are a result of the subject transaction. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. As you can see with the screenshot uploaded, xxxxxx shows the inquiry as personal/finance while the other show it differently. The inquiries are all by the same broker which handle subject loan and xxxxxx. Please clear finding. - Seller-11/05/2025 <br> Counter-Received gift letter. Undisclosed Debt verification pg 539 reflect a personal finance inquiry other than the xxxxxx dated xxxxxx. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. The only inquiry needing an explanation is for the xxxxxx. Per the gift letter highlighted section, the borrower opened a line of credit with xxxxxx. All other inquiries are by the LO/Broker. Please clear finding. - Seller-10/28/2025 <br> Counter-Inquiries are not all from originator-please provide acceptable LOE on inquiries. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-LOX not needed, all inquires were by the LO/Broker for the subject loan. Please clear finding. - Seller-10/21/2025 <br> Open-LOX for credit inquiries is missing. Letter of explanation was not identified in the file. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. As you can see with the screenshot uploaded, xxxxxx shows the inquiry as personal/finance while the other show it differently. The inquiries are all by the same broker which handle subject loan and xxxxxx. Please clear finding. - Seller-11/05/2025 <br> Ready for Review-Document Uploaded. The only inquiry needing an explanation is for the xxxxxx. Per the gift letter highlighted section, the borrower opened a line of credit with xxxxxx. All other inquiries are by the LO/Broker. Please clear finding. - Seller-10/28/2025 <br> Ready for Review-LOX not needed, all inquires were by the LO/Broker for the subject loan. Please clear finding. - Seller-10/21/2025 | Resolved-After further review, the inquiries are a result of the subject transaction. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 required, subject 767<br>Months Reserves exceed minimum required - 3 months required, subject 26.57 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851202 | xxxxxx D A | Closed | xxxxxx | 2025-10-20 07:23 | 2025-11-05 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE provided. - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. VVOE provided, please clear finding. - Seller-11/05/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification of employment was not identified in the file. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. VVOE provided, please clear finding. - Seller-11/05/2025<br>| Resolved-VOE provided. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 required, subject 767<br>Months Reserves exceed minimum required - 3 months required, subject 26.57 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851202 | xxxxxx D A | Closed | xxxxxx | 2025-10-20 07:23 | 2025-11-05 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Borrower 1 Executed 4506-T/4506-C is Provided - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. The executed 4506C provided, please clear finding. - Seller-10/24/2025 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing 4506-C was not identified in the file. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. The executed 4506C provided, please clear finding. - Seller-10/24/2025<br>| Resolved-Borrower 1 Executed 4506-T/4506-C is Provided - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 required, subject 767<br>Months Reserves exceed minimum required - 3 months required, subject 26.57 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851296 | xxxxxx C A | Closed | xxxxxx | 2025-11-14 06:10 | 2025-12-08 10:20 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Judgment affidavit provided. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/05/2025 <br> Counter-Received email that a Judgment Affidavit was signed at closing. Please provide. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/04/2025 <br> Counter-Received final title policy-please clarify how judgments were cleared. - Due Diligence Vendor-12/03/2025 <br> Open-Property Title Issue Provide a Title Supplement or a judgement affidavit reflecting judgements for #12 State Tax Lien - Case No. xxxxxx in the amount of xxxxxx and #13 District Court Lien-Case No. xxxxxx in the amount of xxxxxx reflecting on Schedule B. - Due Diligence Vendor-11/14/2025 |  | Resolved-Judgment affidavit provided. - Due Diligence Vendor-12/08/2025<br>| LTV is less than guideline maximum - xxxxxx Guideline LTV is 80%. Subject LTV is 75%.<br> Qualifying DTI below maximum allowed - Guideline maximum DTI is 50%. Qualifying DTI is 41.64%. Required is 50 Borrower has 41.64 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851300 | xxxxxx C A | Closed | xxxxxx | 2025-11-18 07:37 | 2025-11-26 10:50 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received mtg statement confirming xxxxxx payment made for xxxxxxxx - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/25/2025 <br> Counter-Please provide the October payment for xxxxxx. - Due Diligence Vendor-11/25/2025 <br> Counter-Please provide evidence of October payment for account xxxxxx and a 12 month payment history for xxxxxx. - Due Diligence Vendor-11/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements - Missing the xxxxxx mortgage payment history for Primary Residence with xxxxxx and 12 month history for xxxxxx 2nd lien not reported on credit report. - Due Diligence Vendor-11/19/2025 |  | Resolved-Received mtg statement confirming 10/1 payment made for xxxxxxxx - Due Diligence Vendor-11/26/2025 | Qualifying DTI below maximum allowed - Qualifying DTI is 44.16%; guideline maximum is 50%. Required is 50 Borrower has 44.16<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 809; minimum score 700. Required is 700 Borrower has 809<br>CLTV is less than guidelines maximum - Guideline maximum CLTV is 70%. Subject CLTV is 63.51%. Required is 70 Borrower has 63.51 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851326 | xxxxxx B A | Closed | xxxxxx | 2025-12-10 11:25 | 2026-01-12 10:29 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-12/10/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-12/10/2025 | Credit history exceeds minimum required - Guidelines require 12 months; borrowers have 71 months 0x30.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income 6,736.06 =/> 1.5 times $3,500 monthly residual income |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 851342 | xxxxxx C B A | Closed | xxxxxx | 2025-10-24 11:18 | 2025-10-27 15:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. xxxxxx<br>I have attached a pc exception for the missing reserves.<br> - Seller-10/27/2025 <br> Open-Audited Reserves of 2.28 month(s) are less than Guideline Required Reserves of 6 month(s) 6 mos reserves required on Near xxxxxx purchase - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. xxxxxx<br>I have attached a pc exception for the missing reserves.<br> - Seller-10/27/2025 | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-10/27/2025<br>| LTV is less than guideline maximum - LTV is 70%. Max LTV is 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 799. Min FICO required is 700 | :Long Term Homeowner<br> LTV 5% below max<br> Minimal Consumer Debt<br> FICO > 10pts above requirement | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 851342 | xxxxxx C B A | Closed | xxxxxx | 2025-10-24 11:26 | 2025-10-27 15:11 | Resolved | 1 - Information B A | Credit | Closing | Prepayment Penalty Issue | Resolved-After further review, the Note also includes the Governing Law paragraph. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. The PPP info is on page 1 of Note and on page 4, this is a declining PPP<br> xxxxxx <br> - Seller-10/27/2025 <br> Open- \*THE REQUIRED "NOTICE TO BORROWER" IS NOT INCLUDED WITHIN THE DOCUMENTS . THEREFORE, THE PPP TERMS ARE NOT COMPLIANT WITH xxxxxx LAW. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. The PPP info is on page 1 of Note and on page 4, this is a declining PPP<br> xxxxxx <br> - Seller-10/27/2025<br>| Resolved-After further review, the Note also includes the Governing Law paragraph. - Due Diligence Vendor-10/27/2025<br>| LTV is less than guideline maximum - LTV is 70%. Max LTV is 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 799. Min FICO required is 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851344 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851346 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851349 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851350 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851365 | xxxxxx C A | Closed | xxxxxx | 2025-11-18 11:19 | 2025-12-03 15:23 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received corrected final 1003 - correct dob as verified on credit and Patriot Act Form. - Due Diligence Vendor-12/03/2025 <br>Open-Document labeled Final 1003 is signed by borrower on closing date but rest of 1003 is blank. Initial 1003 is only 1003 that is filled out. There is also discrepancy in borrower Date of Birth between these documents. Additional conditions may apply. - Due Diligence Vendor-11/18/2025 |  | Resolved-Received corrected final 1003 - correct dob as verified on credit and Patriot Act Form. - Due Diligence Vendor-12/03/2025<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 74.84<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 813 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851377 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 13:28 | 2025-11-12 10:49 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received final CD for cash out proceeds non-subject. - Due Diligence Vendor-11/12/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-11/03/2025 |  | Resolved-Received final CD for cash out proceeds non-subject. - Due Diligence Vendor-11/12/2025<br>| DSCR % greater than 1.20 - Actual DSCR IS 4.139.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO allowed is 700 - actual is 737 FICO. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851377 | xxxxxx D A | Closed | xxxxxx | 2025-11-04 11:05 | 2025-11-12 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 2 Missing | Resolved-Received final CD. - Due Diligence Vendor-11/12/2025 <br> Open-Asset 2 Missing Missing documentation for proceeds from secured loan for xxxxxx - Due Diligence Vendor-11/04/2025 |  | Resolved-Received final CD. - Due Diligence Vendor-11/12/2025<br>| DSCR % greater than 1.20 - Actual DSCR IS 4.139.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO allowed is 700 - actual is 737 FICO. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851380 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 12:49 | 2025-12-30 08:54 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Proof provided that the loans with xxxxxx, reporting on credit, are in the borrower's business's name. Letter from xxxxxx provided confirming they will be removed from credit. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Counter-Received resolution regarding credit reporting. Finding remains. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/17/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Housing history does not meet guideline requirements: Missing verification of taxes & insurance for reo xxxxxx . Although mortgage statement on (PDF 1833) shows statement mailed to xxxxxx, the xxxxxx loan xxxxxx is reported on borrower's credit report (PDF 786) and consequently is included in debt. Upon receipt, DTI to be recalculated included TIA (Mortgage statement includes P&I only). Additional findings may apply. 2. Missing verification of PITIA for Loan xxxxxx. Per LOX on PDF xxxxxx and xxxxxx are closing in xxxxxx. PITIA to be included and DTI recalculated. Per updated credit report 10/17/25 (pdf 872) there are additional mortgages reported from xxxxxx & per lox in file by lender (pdf 1848) these were not supposed to be reported to credit report. We need credit supplement removing all xxxxxx aka xxxxxx . Additional findings may apply and or would need to be included in debts liability and would need all properties tied to mortgages be reported on REO schedule. Additional findings may apply. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-12/29/2025 <br>Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Resolved-Proof provided that the loans with xxxxxx, reporting on credit, are in the borrower's business's name. Letter from xxxxxx provided confirming they will be removed from credit. - Due Diligence Vendor-12/30/2025<br>| Months Reserves exceed minimum required - 97.31 months PITIA reserves; 3 months reserves required.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851380 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 09:58 | 2025-12-18 16:47 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received final policy with full address. Items not noted as exceptions. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Open-Property Title Issue : Unable to determine if title commitment is for subject property address. Title commitment does not identify an address or parcel number but only provides a metes and bounds legal description. Missing evidence that title insurance will cover Schedule B 10 Item q. This item notes the location of subject xxxxxx (shown on survey PDF 210). Missing evidence that title insurance will cover Schedule B 10 Item r. This item notes rights or claims, if any, of adjoining property owner(s) in and to that portion of insured property, lying between xxxxxx. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received final policy with full address. Items not noted as exceptions. - Due Diligence Vendor-12/18/2025<br>| Months Reserves exceed minimum required - 97.31 months PITIA reserves; 3 months reserves required.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851380 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 11:50 | 2025-12-18 08:40 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Borrower has owned the subject property for more than 12 months. Borrower is in the process of remodeling the subject property. The property closed under the borrowers LLC. Property was built in xxxxxx. Narrative for xxxxxx states they are a real estate developer and specializing in residential construction. property did not close in the name of xxxxxx - Due Diligence Vendor-12/18/2025 <br> Open-Per guidelines, no Mortgage Loans financing builder inventory is permitted. Based on file documentation, it appears that subject and other financing with Client may be for builder inventory. LOX in file (pdf 814) notes two loans closing in xxxxxx (subject property is xxxxxx, and documentation provided for additional loans closed in other entities with builder borrower signing as member (xxxxxx (PDF 1694), xxxxxx (PDF 1725), xxxxxx (PDF 1761), 2552 xxxxxx (PDF 1776), xxxxxx (PDF 1800), xxxxxx #B (PDF 1826). The business narrative for the entity used for income, xxxxxx, notes borrower's business is xxxxxx. - Due Diligence Vendor-11/03/2025 |  | Resolved-Borrower has owned the subject property for more than 12 months. Borrower is in the process of remodeling the subject property. The property closed under the borrowers LLC. Property was built in xxxxxx. Narrative for xxxxxx states they are a xxxxxx. property did not close in the name of xxxxxx. - Due Diligence Vendor-12/18/2025 | Months Reserves exceed minimum required - 97.31 months PITIA reserves; 3 months reserves required.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851380 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 11:51 | 2025-12-17 10:22 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-1004D provided with xxxxxx. - Due Diligence Vendor-12/17/2025 <br> Open-Property issues are identified for the property: Property issues are present: 1) Appraisal is "as is" and it should be corrected to "subject to" 2) The 1004D provided is not for the subject property. Appraiser to provide a 1004D, with pictures, verifying xxxxxx. - Due Diligence Vendor-11/03/2025 |  | Resolved-1004D provided with xxxxxx. - Due Diligence Vendor-12/17/2025 | Months Reserves exceed minimum required - 97.31 months PITIA reserves; 3 months reserves required.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851380 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 12:25 | 2025-12-17 09:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Operating agreement in file reflecting the borrower is 100% owner of the business. - Due Diligence Vendor-12/17/2025 <br>Open-Borrower 1 CPA Letter Missing Missing verification that the borrower has ownership of at least 25% of the business with CPA, EA, or xxxxxx letter, Tax Preparer letter. provided was the Franchise pdf 783, company agreement pdf 512. - Due Diligence Vendor-11/03/2025 |  | Resolved-Operating agreement in file reflecting the borrower is 100% owner of the business. - Due Diligence Vendor-12/17/2025<br>| Months Reserves exceed minimum required - 97.31 months PITIA reserves; 3 months reserves required.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851380 | xxxxxx D A | Closed | xxxxxx | 2025-10-31 17:01 | 2025-12-12 13:47 | Resolved | 1 - Information C A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-The note screen has been corrected. - Due Diligence Vendor-12/12/2025 <br>Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds $0.01) ----- per note and CD - Due Diligence Vendor-10/31/2025 |  | Resolved-The note screen has been corrected. - Due Diligence Vendor-12/12/2025<br>| Months Reserves exceed minimum required - 97.31 months PITIA reserves; 3 months reserves required.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851380 | xxxxxx D A | Closed | xxxxxx | 2025-11-03 13:04 | 2025-12-12 13:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Fraud report provided with high alerts cleared. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Third Party Fraud Report Partially Provided- Please provide updated fraud report. ; the one provided 7/14/25. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Fraud report provided with high alerts cleared. - Due Diligence Vendor-12/12/2025<br>| Months Reserves exceed minimum required - 97.31 months PITIA reserves; 3 months reserves required.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage pay history. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851411 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 851420 | xxxxxx D A | Closed | xxxxxx | 2025-11-06 15:11 | 2025-11-12 16:06 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/07/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/07/2025<br>| Resolved-Received RCE - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 744<br>LTV is less than guideline maximum - 55.66% LTV; 70% max allowed |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851420 | xxxxxx D A | Closed | xxxxxx | 2025-11-07 16:57 | 2025-11-12 16:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/07/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. Missing Guaranty from xxxxxx - 50% owner of xxxxxx (loan closed in xxxxxx LLC) - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/07/2025<br>| Resolved-Received Guaranty Agreement. - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 744<br>LTV is less than guideline maximum - 55.66% LTV; 70% max allowed |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851420 | xxxxxx D A | Closed | xxxxxx | 2025-11-06 14:42 | 2025-11-12 16:03 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Commitment w/sufficient coverage. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-Received updated Commitment w/sufficient coverage. - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 744<br>LTV is less than guideline maximum - 55.66% LTV; 70% max allowed |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851420 | xxxxxx D A | Closed | xxxxxx | 2025-11-07 16:42 | 2025-11-12 16:01 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/07/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing complete 12 month mortgage verification on subject property - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/07/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 744<br>LTV is less than guideline maximum - 55.66% LTV; 70% max allowed |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851454 | xxxxxx C B A | Closed | xxxxxx | 2025-10-28 12:42 | 2025-11-13 15:03 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Revised appraisal received. - Due Diligence Vendor-11/13/2025 <br> Open-Property Issues are identified for the property Originator to provide Certification that subject meets state xxxxxx requirements. Appraiser did not comment. - Due Diligence Vendor-10/28/2025 |  | Resolved-Revised appraisal received. - Due Diligence Vendor-11/13/2025<br>| DSCR % greater than 1.20 - DSCR = 1.579<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 727 Min FICO = 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851454 | xxxxxx C B A | Closed | xxxxxx | 2025-11-03 10:13 | 2025-11-06 12:43 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Received updated Approval. - Due Diligence Vendor-11/06/2025 <br>Open-Loan Closed with Lower CDA Value but Loan Approval in file still has Original Appraised Value. File is missing updated Loan Approval/1008 indicating CDA Value Value used for LTV - Due Diligence Vendor-11/03/2025 |  | Resolved-Received updated Approval. - Due Diligence Vendor-11/06/2025<br>| DSCR % greater than 1.20 - DSCR = 1.579<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 727 Min FICO = 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851454 | xxxxxx C B A | Closed | xxxxxx | 2025-10-29 10:20 | 2025-10-29 10:21 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-If held in an entity such as LLC, LP or Trust initial and final grade should be B and waiver applied. <br>In xxxxxx: Only S-corps and Corporations are allowed a prepay. - Due Diligence Vendor-10/29/2025 <br> Open-If held in an entity such as LLC, LP or Trust initial and final grade should be B and waiver applied.<br>In xxxxxx: Only S-corps and Corporations are allowed a prepay. - Due Diligence Vendor-10/29/2025 |  | Waived-If held in an entity such as LLC, LP or Trust initial and final grade should be B and waiver applied. <br>In xxxxxx: Only S-corps and Corporations are allowed a prepay. - Due Diligence Vendor-10/29/2025 | DSCR % greater than 1.20 - DSCR = 1.579<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 727 Min FICO = 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 851461 | xxxxxx C A | Closed | xxxxxx | 2025-10-28 14:15 | 2025-11-14 15:44 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, Appraiser stated can be re-built. - Due Diligence Vendor-11/06/2025 <br> Open-Property Issues are identified for the property Zoning is legal non-conforming. Properties which are not in compliance with local zoning regulations (including as reflected on the appraisal or residential evaluation). If the improvements represent a legal, non-conforming use of land, a letter from the local building authority or statement by the appraiser must be obtained to certify the subject property can be rebuilt "as is" (i.e. to its current density) in the event of a partial or total destruction.<br> - Due Diligence Vendor-10/28/2025 |  | Resolved-Upon further review, Appraiser stated can be re-built. - Due Diligence Vendor-11/06/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is .75. Qualified is 1.248 <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620 Qualified is 730 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851469 | xxxxxx D A | Closed | xxxxxx | 2025-11-14 14:50 | 2025-11-17 13:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-MORTGAGE, ASSIGNMENT OF LEASES AND RENTS, FIXTURE FILING, AND SECURITY AGREEMENT provided. - Due Diligence Vendor-11/17/2025 <br>Open-Rider Missing from DOT screen based on Property Type selected on Property Page. - Due Diligence Vendor-11/14/2025 |  | Resolved-MORTGAGE, ASSIGNMENT OF LEASES AND RENTS, FIXTURE FILING, AND SECURITY AGREEMENT provided. - Due Diligence Vendor-11/17/2025<br>| Long term residence - Long Term Residence = 17+ years<br>Months Reserves exceed minimum required - 44.54 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851469 | xxxxxx D A | Closed | xxxxxx | 2025-11-14 14:50 | 2025-11-17 13:45 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-MORTGAGE, ASSIGNMENT OF LEASES AND RENTS, FIXTURE FILING, AND SECURITY AGREEMENT provided. - Due Diligence Vendor-11/17/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-11/14/2025 |  | Resolved-MORTGAGE, ASSIGNMENT OF LEASES AND RENTS, FIXTURE FILING, AND SECURITY AGREEMENT provided. - Due Diligence Vendor-11/17/2025<br>| Long term residence - Long Term Residence = 17+ years<br>Months Reserves exceed minimum required - 44.54 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851469 | xxxxxx D A | Closed | xxxxxx | 2025-11-06 17:53 | 2025-11-13 12:15 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received 1007. - Due Diligence Vendor-11/13/2025 <br>Open-Missing Third Party Market Rent Source - Due Diligence Vendor-11/06/2025 |  | Resolved-Received 1007. - Due Diligence Vendor-11/13/2025<br>| Long term residence - Long Term Residence = 17+ years<br>Months Reserves exceed minimum required - 44.54 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851482 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851545 | xxxxxx C A | Closed | xxxxxx | 2025-11-25 16:33 | 2025-12-02 16:37 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Received EMD gift validation. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. Please see attached the EMD gift letter, Escrow Receipt, ACH Detail, withdrawal history from Donor's Bank Acct. - Seller-11/26/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Missing evidence that gift wired for the earnest money deposit came from the donor. Reserves not met without EMD. Additional findings may apply. <br> - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Please see attached the EMD gift letter, Escrow Receipt, ACH Detail, withdrawal history from Donor's Bank Acct. - Seller-11/26/2025 | Resolved-Received EMD gift validation. - Due Diligence Vendor-12/02/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 792 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851548 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851563 | xxxxxx D B A | Closed | xxxxxx | 2025-11-04 03:39 | 2026-01-12 10:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Missing mortgage statement or Note for the review period to verify monthly payment amount,and12 month mortgage history for subject property meeting guideline requirements for loans not reported on credit report. File included VOM only. Exception in file by Lender, and approved by Client to allow with documentation provided. Non material with comp factors. - Due Diligence Vendor-11/07/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing mortgage statement or Note for the review period to verify monthly payment amount,and12 month mortgage history for subject property meeting guideline requirements for loans not reported on credit report. File included VOM only. Exception in file by Lender, and approved by Client to allow with documentation provided. Non material with comp factors. - Due Diligence Vendor-11/04/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Missing mortgage statement or Note for the review period to verify monthly payment amount,and12 month mortgage history for subject property meeting guideline requirements for loans not reported on credit report. File included VOM only. Exception in file by Lender, and approved by Client to allow with documentation provided. Non material with comp factors. - Due Diligence Vendor-11/07/2025<br>| Long term residence - Long Term Residence = 18+ years<br>Qualifying FICO score is at least 20 points above minimum for program - 809 FICO exceeds 700 minimum required. | Credit Score 30+ points > minimum required, 0x30 for 48 months on all mortgages. Current primary home ownership > 10 years. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 851563 | xxxxxx D B A | Closed | xxxxxx | 2025-11-04 03:18 | 2025-11-12 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty agreement signed as an individual - Due Diligence Vendor-11/12/2025 <br>Counter-Please provide Guaranty agreement signed as an individual. - Due Diligence Vendor-11/11/2025 <br>Counter-Guaranty agreement provided is signed as a Member. Please provide Guaranty agreement signed as an individual. - Due Diligence Vendor-11/07/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing personal guaranty required by guidelines. Guaranty in file (PDF 90) is signed by borrower as member. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received Guaranty agreement signed as an individual - Due Diligence Vendor-11/12/2025<br>| Long term residence - Long Term Residence = 18+ years<br>Qualifying FICO score is at least 20 points above minimum for program - 809 FICO exceeds 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851563 | xxxxxx D B A | Closed | xxxxxx | 2025-11-04 17:37 | 2025-11-12 10:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Cert. - Due Diligence Vendor-11/07/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing the business purpose affidavit required by the guidelines. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received Business Purpose Cert. - Due Diligence Vendor-11/07/2025 | Long term residence - Long Term Residence = 18+ years<br>Qualifying FICO score is at least 20 points above minimum for program - 809 FICO exceeds 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851563 | xxxxxx D B A | Closed | xxxxxx | 2025-11-04 03:57 | 2025-11-07 11:46 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-11/07/2025 <br>Open-Missing Approval/Underwriting Summary Missing the lenders loan approval/1008. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-11/07/2025<br>| Long term residence - Long Term Residence = 18+ years<br>Qualifying FICO score is at least 20 points above minimum for program - 809 FICO exceeds 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 851600 | xxxxxx C A B | Closed | xxxxxx | 2025-12-04 14:54 | 2026-01-09 13:55 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 8.262% is within allowable threshold of APOR of 8.255% + 3.75% or 12.005%. - Due Diligence Vendor-01/09/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 8.262% is within allowable threshold of APOR of 8.255% + 3.75% or 12.005%. <br> - Due Diligence Vendor-12/04/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 8.262% is within allowable threshold of APOR of 8.255% + 3.75% or 12.005%. - Due Diligence Vendor-01/09/2026 | CLTV is less than guidelines maximum - Required is 90. Borrower has 44.69. Required is 90 Borrower has 44.69<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 22.49. Required is 50 Borrower has 22.49<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 804. Required is 680 Borrower has 804 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851600 | xxxxxx C A B | Closed | xxxxxx | 2025-12-05 09:25 | 2025-12-11 10:52 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-After further review, the appraisal report indicates on page 1 the property includes a xxxxxx. - Due Diligence Vendor-12/11/2025 <br> Open-Property Issues are identified for the property Missing photo showing that subject has xxxxxx. xxxxxx photos (PDF 323, 324) does not show a xxxxxx. Additional findings may apply. - Due Diligence Vendor-12/05/2025 |  | Resolved-After further review, the appraisal report indicates on page 1 the property includes a xxxxxx. - Due Diligence Vendor-12/11/2025 | CLTV is less than guidelines maximum - Required is 90. Borrower has 44.69. Required is 90 Borrower has 44.69<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 22.49. Required is 50 Borrower has 22.49<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 804. Required is 680 Borrower has 804 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851603 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851613 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851661 | xxxxxx D B A | Closed | xxxxxx | 2025-11-17 10:44 | 2025-11-24 11:08 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Flood Certificate Missing | Waived-The request for an exception for eligibility criteria is granted for Flood Cert dated post close. Non-Material, refinance of an investment. - Due Diligence Vendor-11/24/2025 <br>Counter-Flood Cert Provided is post close. Please provide the Initial Flood Cert. - Due Diligence Vendor-11/20/2025 <br>Open-Missing Flood Certificate The Flood Certificate is missing from the loan file. - Due Diligence Vendor-11/17/2025 |  | Waived-The request for an exception for eligibility criteria is granted for Flood Cert dated post close. Non-Material, refinance of an investment. - Due Diligence Vendor-11/24/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 53.53 LTV is 53.53%. Maximum LTV per guidelines is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 730 Qualifying FICO score 730; guidelines require 680. | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 851664 | xxxxxx C A | Closed | xxxxxx | 2025-11-17 13:18 | 2025-11-20 11:57 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, Business Purpose Cert was provided in the loan file. Guidelines requirements have been met. - Due Diligence Vendor-11/20/2025 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-11/17/2025 |  | Resolved-Upon further review, Business Purpose Cert was provided in the loan file. Guidelines requirements have been met. - Due Diligence Vendor-11/20/2025<br>| LTV is less than guideline maximum - Borrower has 41.91%. Allowed 65%. Required is 65 Borrower has 41.91<br>Qualifying FICO score is at least 20 points above minimum for program - .Required is 700 Borrower has 730 Required is 700 Borrower has 730 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851694 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 851695 | xxxxxx C A | Closed | xxxxxx | 2025-11-04 06:47 | 2025-11-07 11:41 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received LOE and revised 1003. - Due Diligence Vendor-11/07/2025 <br> Open-Subject transaction is purchase of investment property, and final 1003 (PDF 4) notes subject property will be borrower's mailing address. However, business purpose affidavit in file (311) as well as mailing address certification showing mailing address same as primary (PDF 311). Additional findings may apply. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received LOE and revised 1003. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 677 FICO exceeds 640 minimum required.<br>On time mortgage history exceeds guideline requirement - 0x30x23 for primary residence and 1x30x12 allowed per guidelines. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851695 | xxxxxx C A | Closed | xxxxxx | 2025-11-04 07:31 | 2025-11-07 11:40 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC for non-borrowing title holder. - Due Diligence Vendor-11/07/2025 <br> Open-OFAC Check Not Completed and/or Cleared All 3rd parties were not checked with Exclusionary/OFAC Lists. However, Borrower and Seller are present. Missing OFAC check for non-borrowing title holder. - Due Diligence Vendor-11/04/2025 |  | Resolved-Received OFAC for non-borrowing title holder. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 677 FICO exceeds 640 minimum required.<br>On time mortgage history exceeds guideline requirement - 0x30x23 for primary residence and 1x30x12 allowed per guidelines. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851708 | xxxxxx C B A | Closed | xxxxxx | 2025-11-07 05:01 | 2025-12-03 15:31 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received confirmation xxxxxx not required and 1004 d is complete. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Seller Response: Please see page 4/12 of 1004d that states the following: "UPDATES REQUESTED ON xxxxxx Subject xxxxxx Completed: Following a review of the Town of xxxxxx building guidelines, it was determined that xxxxxx are not required for the xxxxxx based on its height and configuration. The xxxxxx presents no observable safety or structural concerns. Accordingly, no additional xxxxxx are deemed necessary. All cited xxxxxx items have been satisfactorily completed, and the property is now considered to be in average, market-acceptable condition and compliant with conventional lending standards. The appraisal is made As-Is. - Buyer-12/01/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Missing 1004D showing all xxxxxx completed. Appraisal (PDF 409) states appraisal is subject to xxxxxx for xxxxxx due to health and safety issues. 1004D photo for xxxxxx (PDF 443) does not show xxxxxx. Additional findings may apply. - Due Diligence Vendor-11/07/2025 |  | Resolved-Received confirmation railings not required and 1004 d is complete. - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - 29.81% DTI is less than 50% maximum.<br>CLTV is less than guidelines maximum - 42.6% CLTV is less than 80% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851708 | xxxxxx C B A | Closed | xxxxxx | 2025-11-07 04:55 | 2025-11-19 11:07 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received updated appraisal. Appraiser states - All cited xxxxxx items have been satisfactorily completed, and the property is now considered to be in average, market-acceptable condition and compliant with conventional lending standards - Due Diligence Vendor-11/19/2025 <br> Open-Appraiser to address page 1 of appraisal (PDF 389) that states to see addendum for deferred maintenance. Addendum is missing commentary regarding deferred maintenance. - Due Diligence Vendor-11/07/2025 |  | Resolved-Received updated appraisal. Appraiser states - All cited xxxxxx items have been satisfactorily completed, and the property is now considered to be in average, market-acceptable condition and compliant with conventional lending standards - Due Diligence Vendor-11/19/2025 | Qualifying DTI below maximum allowed - 29.81% DTI is less than 50% maximum.<br>CLTV is less than guidelines maximum - 42.6% CLTV is less than 80% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851708 | xxxxxx C B A | Closed | xxxxxx | 2025-11-07 05:25 | 2025-11-19 11:02 | Resolved | 1 - Information B A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-11/19/2025 <br> Open-LOX for credit inquiries is missing. Missing LOX for inquiries (PDF 313). Additional findings may apply. - Due Diligence Vendor-11/07/2025 |  | Resolved-Received LOE. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - 29.81% DTI is less than 50% maximum.<br>CLTV is less than guidelines maximum - 42.6% CLTV is less than 80% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851708 | xxxxxx C B A | Closed | xxxxxx | 2025-11-06 11:25 | 2025-11-06 13:07 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/06/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/06/2025<br>| Qualifying DTI below maximum allowed - 29.81% DTI is less than 50% maximum.<br>CLTV is less than guidelines maximum - 42.6% CLTV is less than 80% maximum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 851711 | xxxxxx D A | Closed | xxxxxx | 2025-12-01 15:20 | 2025-12-10 16:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received pay history, the borrower's daughters business is paying this loan. - Due Diligence Vendor-12/10/2025 <br> Open-Missing proof borrower is not responsible for PITIA for xxxxxx - Due Diligence Vendor-12/01/2025 |  | Resolved-Received pay history, the borrower's daughters business is paying this loan. - Due Diligence Vendor-12/10/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851723 | xxxxxx D B A | Closed | xxxxxx | 2025-11-06 12:18 | 2025-11-14 07:58 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-After further review, the appraiser did not indicate issue with the xxxxxx. Nothing further is needed. - Due Diligence Vendor-11/14/2025 <br> Open-Please provide documentation to support the Appraiser inspected the xxxxxx - Due Diligence Vendor-11/06/2025 |  | Resolved-After further review, the appraiser did not indicate issue with the xxxxxx. Nothing further is needed. - Due Diligence Vendor-11/14/2025 | Months Reserves exceed minimum required - Minimum months reserves required is 6 months - actual is 126 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 700 - actual is 774 FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851723 | xxxxxx D B A | Closed | xxxxxx | 2025-10-31 13:30 | 2025-11-06 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-11/06/2025 <br> Open-Lender did not provide a DSCR calculation. Audit unable to determine how loan closed. - Due Diligence Vendor-10/31/2025 |  | Resolved-Received DSCR Calculation - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - Minimum months reserves required is 6 months - actual is 126 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 700 - actual is 774 FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851723 | xxxxxx D B A | Closed | xxxxxx | 2025-10-30 14:21 | 2025-11-06 12:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty Discrepancy | Waived-Client provided a waiver for PPP discrepancy, applied to non material finding with comp factors - Due Diligence Vendor-11/06/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. Note section 5.1 reflects prepayment term is 36 months. - Due Diligence Vendor-10/30/2025 |  | Waived-Client provided a waiver for PPP discrepancy, applied to non material finding with comp factors - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - Minimum months reserves required is 6 months - actual is 126 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 700 - actual is 774 FICO | Months Reserves exceed minimum required - Minimum months reserves required is 6 months - actual is 126 months reservesQualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 700 - actual is 774 FICO | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 851723 | xxxxxx D B A | Closed | xxxxxx | 2025-10-30 16:57 | 2025-11-06 12:24 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received 1025 - Due Diligence Vendor-11/06/2025 <br> Open-Missing Third Party Market Rent Source File is missing a copy of xxxxxx form 1025 market rent. - Due Diligence Vendor-10/30/2025 |  | Resolved-Received 1025 - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - Minimum months reserves required is 6 months - actual is 126 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 700 - actual is 774 FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851723 | xxxxxx D B A | Closed | xxxxxx | 2025-10-31 11:57 | 2025-11-06 12:22 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client provided a waiver PPP to a LLC, applied to non material finding with comp factors - Due Diligence Vendor-11/06/2025 <br> Open-Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-10/31/2025 |  | Waived-Client provided a waiver PPP to a LLC, applied to non material finding with comp factors - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - Minimum months reserves required is 6 months - actual is 126 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 700 - actual is 774 FICO | Months Reserves exceed minimum required - Minimum months reserves required is 6 months - actual is 126 months reserves Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 700 - actual is 774 FICO | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 851723 | xxxxxx D B A | Closed | xxxxxx | 2025-10-31 12:41 | 2025-11-06 12:17 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-11/06/2025 <br> Open-Appraisal is Missing File is missing a full appraisal. Audit utilized the appraised value of xxxxxx based on the information provided on the desk review for review. Additional conditions may apply, pending review of appraisal. - Due Diligence Vendor-10/31/2025 |  | Resolved-Received Appraisal - Due Diligence Vendor-11/06/2025<br>| Months Reserves exceed minimum required - Minimum months reserves required is 6 months - actual is 126 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 700 - actual is 774 FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851756 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 06:04 | 2025-12-11 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received update from appraiser. - Due Diligence Vendor-12/11/2025 <br> Open-Missing LOX for xxxxxx variance between xxxxxx purchase price and xxxxxx appraised value. Additional findings may apply. - Due Diligence Vendor-11/05/2025 |  | Resolved-Received update from appraiser. - Due Diligence Vendor-12/11/2025<br>| LTV is less than guideline maximum - 80% LTV is less than 85% maximum.<br>Qualifying DTI below maximum allowed - 15.74% DTI is less than 50% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851756 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 10:58 | 2025-12-02 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received SOS confirming active since 2020 - Due Diligence Vendor-12/02/2025 <br> Open-Borrower 1 CPA Letter Missing Missing verification the business being used to source income has been in existence for a minimum of two (2) years with CPA Letter, Business License, - Due Diligence Vendor-11/05/2025 |  | Resolved-Received SOS confirming active since 2020 - Due Diligence Vendor-12/02/2025 | LTV is less than guideline maximum - 80% LTV is less than 85% maximum.<br>Qualifying DTI below maximum allowed - 15.74% DTI is less than 50% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851756 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 07:56 | 2025-12-02 10:45 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received confirmation inquiries were related to new auto loan addressed. - Due Diligence Vendor-12/02/2025 <br> Open-LOX for credit inquiries is missing. Missing LOX for 2 of the 3 inquiries noted on xxxxxx refresh report (PDF 731). For one, a new tradeline was opened. - Due Diligence Vendor-11/05/2025 |  | Resolved-Received confirmation inquiries were related to new auto loan addressed. - Due Diligence Vendor-12/02/2025<br>| LTV is less than guideline maximum - 80% LTV is less than 85% maximum.<br>Qualifying DTI below maximum allowed - 15.74% DTI is less than 50% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851756 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 07:02 | 2025-12-02 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received LOE for xxxxxx confirming no HOI or HOA. - Due Diligence Vendor-12/02/2025 <br> Open-Missing verification of insurance and HOA for REO xxxxxx, xxxxxx and xxxxxx. If applicable, monthly amount to be included and DTI recalculated. These three properties had building value per property reports in file (475, 541, 497). Although file included LOX that there was no insurance or HOA for xxxxxx properties (PDF 338), the three referenced properties are located in xxxxxx. - Due Diligence Vendor-11/05/2025 |  | Resolved-Received LOE for xxxxxx properties confirming no HOI or HOA. - Due Diligence Vendor-12/02/2025 | LTV is less than guideline maximum - 80% LTV is less than 85% maximum.<br>Qualifying DTI below maximum allowed - 15.74% DTI is less than 50% maximum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851771 | xxxxxx C A | Closed | xxxxxx | 2025-10-31 07:23 | 2025-11-21 10:15 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Existing and previous HOI policies provided. - Due Diligence Vendor-11/21/2025 <br> Counter-Received Policy dated xxxxxx and RCE. Please provide all pages of HOI dated xxxxxx. - Due Diligence Vendor-11/13/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Missing all pages to the HOI policy reflecting sufficient coverage. - Due Diligence Vendor-10/31/2025 |  | Resolved-Existing and previous HOI policies provided. - Due Diligence Vendor-11/21/2025<br>| Months Reserves exceed minimum required - Borrower has 50.56 months of reserves and only needs 6 months .<br>Credit history exceeds minimum required - Credit history exceeds minimum required buy 0x30>than 30 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851771 | xxxxxx C A | Closed | xxxxxx | 2025-10-31 08:09 | 2025-11-21 10:14 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Approval. - Due Diligence Vendor-11/04/2025 <br> Open-Missing Approval/Underwriting Summary Missing the lender loan approval. - Due Diligence Vendor-10/31/2025 |  | Resolved-Received Approval. - Due Diligence Vendor-11/04/2025<br>| Months Reserves exceed minimum required - Borrower has 50.56 months of reserves and only needs 6 months .<br>Credit history exceeds minimum required - Credit history exceeds minimum required buy 0x30>than 30 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851771 | xxxxxx C A | Closed | xxxxxx | 2025-10-31 07:51 | 2025-11-04 10:37 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM - Due Diligence Vendor-11/04/2025 <br> Open-Housing History Does Not Meet Guideline Requirements. Missing VOM for subject property verifying 0x30 for 12 months for the pay history. - Due Diligence Vendor-10/31/2025 |  | Resolved-Received VOM - Due Diligence Vendor-11/04/2025<br>| Months Reserves exceed minimum required - Borrower has 50.56 months of reserves and only needs 6 months .<br>Credit history exceeds minimum required - Credit history exceeds minimum required buy 0x30>than 30 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851771 | xxxxxx C A | Closed | xxxxxx | 2025-10-31 08:03 | 2025-11-04 10:32 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received Business Purpose w/cash out explanation. - Due Diligence Vendor-11/04/2025 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Cash out letter is required. - Due Diligence Vendor-10/31/2025 |  | Resolved-Received Business Purpose w/cash out explanation. - Due Diligence Vendor-11/04/2025<br>| Months Reserves exceed minimum required - Borrower has 50.56 months of reserves and only needs 6 months .<br>Credit history exceeds minimum required - Credit history exceeds minimum required buy 0x30>than 30 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851804 | xxxxxx C A | Closed | xxxxxx | 2025-11-12 09:14 | 2025-11-18 11:09 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-The lender confirmed the loan has a 1-year prepay. - Due Diligence Vendor-11/18/2025 <br> Counter-Received Exception. Exception did not address discrepancy with Note. Finding remains. - Due Diligence Vendor-11/17/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '0' Diligence value '12'. Tape reflects no prepayment penalty, Note has a prepayment penalty of 1% OPB for 12 months. - Due Diligence Vendor-11/12/2025 |  | Resolved-The lender confirmed the loan has a 1-year prepay. - Due Diligence Vendor-11/18/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.055<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851838 | xxxxxx D A C | Closed | xxxxxx | 2025-12-04 14:34 | 2025-12-12 13:57 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/11/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. -----Missing page 1 of final CD signed by the borrowers on xxxxxx. Please provide complete final CD. - Due Diligence Vendor-12/04/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791 Required is 680 Borrower has 791<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.8 Required is 50 Borrower has 42.8 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851838 | xxxxxx D A C | Closed | xxxxxx | 2025-12-03 13:16 | 2025-12-11 08:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-----Received Final CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/11/2025 <br> Open-TRID: Missing Final Closing Disclosure -----Missing page 1 of final CD signed by the borrowers on xxxxxx. Please provide complete final CD. - Due Diligence Vendor-12/03/2025 |  | Resolved-----Received Final CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 791 Required is 680 Borrower has 791<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.8 Required is 50 Borrower has 42.8 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851861 | xxxxxx D A C | Closed | xxxxxx | 2025-11-14 16:01 | 2025-12-08 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Received Master Policy - Due Diligence Vendor-12/08/2025 <br> Counter-CPM approved xxxxxx, Master Policy reflecting liability is required to ensure xxxxxx compliant. - Due Diligence Vendor-11/20/2025 <br> Open-Condo Master Insurance Policy Partially Provided Missing liability coverage. - Due Diligence Vendor-11/14/2025 |  | Resolved-Received Master Policy - Due Diligence Vendor-12/08/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 748 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851861 | xxxxxx D A C | Closed | xxxxxx | 2025-11-17 10:57 | 2025-11-19 14:43 | 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-11/19/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-11/17/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 748 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851861 | xxxxxx D A C | Closed | xxxxxx | 2025-11-17 10:57 | 2025-11-19 14:43 | 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-11/19/2025 <br> Open-The Originator QM Status is not the same as the Final QM Status. - Due Diligence Vendor-11/17/2025 |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 748 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851861 | xxxxxx D A C | Closed | xxxxxx | 2025-11-14 15:59 | 2025-11-19 12:42 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review documents provided show the litigation settlement and release as well as the dismissal- condition resolved. - Due Diligence Vendor-11/19/2025 <br> Open-The xxxxxx project has pending litigation. Pg 580 shows open litigation for xxxxxx. Missing evidence that this has been resolved or attorney letter stating project insurance will cover in full. Note: Resolution on page 580 is for another separate case with different plaintiff. - Due Diligence Vendor-11/14/2025 |  | Resolved-After further review documents provided show the litigation settlement and release as well as the dismissal- condition resolved. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 748 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851861 | xxxxxx D A C | Closed | xxxxxx | 2025-11-12 13:56 | 2025-11-19 09:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved------Received Initial CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/19/2025 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-11/12/2025 |  | Resolved------Received Initial CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/19/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 748 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851883 | xxxxxx D B C A | Closed | xxxxxx | 2025-11-07 15:13 | 2025-11-19 14:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-REO calc updated, DTI is below 50%. - Due Diligence Vendor-11/19/2025 <br> Open-Audited DTI of 50.7% exceeds Guideline DTI of 50% Per the 1008, "all other monthly payments used in qualifying" is $1,121.98. Actual total rental loss is $1,060.05 and total monthly liabilities are $429.95, which matches with the 1003. - Due Diligence Vendor-11/07/2025 |  | Resolved-REO calc updated, DTI is below 50%. - Due Diligence Vendor-11/19/2025<br>| LTV is less than guideline maximum - 80% LTV vs. max of 90%<br>Qualifying FICO score is at least 20 points above minimum for program - 780 vs. min FICO 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851883 | xxxxxx D B C A | Closed | xxxxxx | 2025-11-07 15:10 | 2025-11-19 12:37 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Lease Agreement | Waived-Client waiver applied to non-material finding with compensating factors- to allow for the cash rental payments which were verified for two months. - Due Diligence Vendor-11/19/2025 <br> Open-Lease agreement for xxxxxx was provided, however, the borrower pays in cash. Rental income from one of the REOs is paid in cash, the cash<br> is deposited into a personal account and verified for two months. Request to allow rental income that is paid by tenant in cash, lease agreement supports the rent amount paid. - Due Diligence Vendor-11/07/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors- to allow for the cash rental payments which were verified for two months. - Due Diligence Vendor-11/19/2025<br>| LTV is less than guideline maximum - 80% LTV vs. max of 90%<br>Qualifying FICO score is at least 20 points above minimum for program - 780 vs. min FICO 680 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required<br> reserves exceed the guideline requirement | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 851883 | xxxxxx D B C A | Closed | xxxxxx | 2025-11-07 14:22 | 2025-11-17 09:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Secretary of State Verification of Business. - Due Diligence Vendor-11/17/2025 <br> Open-Borrower 1 CPA Letter Missing CPA is present, however does not state how long the business has been open. Provide documentation to support in business for at least 2 years. - Due Diligence Vendor-11/07/2025 |  | Resolved-Received Secretary of State Verification of Business. - Due Diligence Vendor-11/17/2025<br>| LTV is less than guideline maximum - 80% LTV vs. max of 90%<br>Qualifying FICO score is at least 20 points above minimum for program - 780 vs. min FICO 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851883 | xxxxxx D B C A | Closed | xxxxxx | 2025-11-06 13:06 | 2025-11-14 09:09 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-11/14/2025 <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 $1,197.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $1,197.50 (Points - Loan Discount Fee, Transfer Taxes). Final CD includes $32.50 credit for increase in closing cost above legal limit. COC in file for remaining $1,165.00 charge increase for Points - Loan Discount Fee, however, Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-11/06/2025 |  | Resolved------Received initial CD xxxxxx. Finding Resolved. - Due Diligence Vendor-11/14/2025 | LTV is less than guideline maximum - 80% LTV vs. max of 90%<br>Qualifying FICO score is at least 20 points above minimum for program - 780 vs. min FICO 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851883 | xxxxxx D B C A | Closed | xxxxxx | 2025-11-06 13:06 | 2025-11-14 08:53 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved------Received copy of Initial CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/14/2025 <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. Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-11/06/2025 |  | Resolved------Received copy of Initial CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-11/14/2025 | LTV is less than guideline maximum - 80% LTV vs. max of 90%<br>Qualifying FICO score is at least 20 points above minimum for program - 780 vs. min FICO 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851883 | xxxxxx D B C A | Closed | xxxxxx | 2025-11-06 12:23 | 2025-11-06 14:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/06/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/06/2025<br>| LTV is less than guideline maximum - 80% LTV vs. max of 90%<br>Qualifying FICO score is at least 20 points above minimum for program - 780 vs. min FICO 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 851897 | xxxxxx C A | Closed | xxxxxx | 2025-12-03 15:26 | 2025-12-09 15:05 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received Lock. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. In the Lock Confirmation Sheet included in the closing package, it shows that there is a Prepayment Penalty. The documents in the closing package we sent already clearly reflect the presence of a Prepayment Penalty, so we are wondering whether you may have received an incorrect or different tape from xxxxxx. If that is not the case, please let us know exactly which document in the closing package indicates No Prepayment Penalty. For your reference, I am sending the Lock Confirmation Sheet we have once again. - Seller-12/06/2025 <br> Counter-Loan was submitted with Tape Data indicating no prepayment penalty, however the Note discloses a PPP - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Could you let me know what document you mean by 'tape'? - Seller-12/03/2025 <br> Open-PPP addendum to note shows a 5% penalty, tape shows no penalty. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. In the Lock Confirmation Sheet included in the closing package, it shows that there is a Prepayment Penalty. The documents in the closing package we sent already clearly reflect the presence of a Prepayment Penalty, so we are wondering whether you may have received an incorrect or different tape from xxxxxx. If that is not the case, please let us know exactly which document in the closing package indicates No Prepayment Penalty. For your reference, I am sending the Lock Confirmation Sheet we have once again. - Seller-12/06/2025 <br> Ready for Review-Could you let me know what document you mean by 'tape'? - Seller-12/03/2025 | Resolved-Received Lock. - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 660. Required is 660 Borrower has 800<br>Qualifying DTI below maximum allowed - DTI is 43.18% and max allowed is 50% Required is 50 Borrower has 43.18 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851897 | xxxxxx C A | Closed | xxxxxx | 2025-12-03 12:20 | 2025-12-05 14:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received missing assets. Audited Reserves of 12.56 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. The bank statements for the asset amount of $99,470.44, as reflected on the 1003, were inadvertently omitted from the closing package. Please find the bank statements attached for your review.<br> These statements are sufficient to cover the required 4 months of reserves. - Seller-12/03/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) . Provide sufficient assets to support total reserves required. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. The bank statements for the asset amount of $99,470.44, as reflected on the 1003, were inadvertently omitted from the closing package. Please find the bank statements attached for your review.<br> These statements are sufficient to cover the required 4 months of reserves. - Seller-12/03/2025<br>| Resolved-Received missing assets. Audited Reserves of 12.56 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 660. Required is 660 Borrower has 800<br>Qualifying DTI below maximum allowed - DTI is 43.18% and max allowed is 50% Required is 50 Borrower has 43.18 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851897 | xxxxxx C A | Closed | xxxxxx | 2025-12-03 12:12 | 2025-12-05 14:07 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received missing Assets. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. The bank statements for the asset amount of $99,470.44, as reflected on the 1003, were inadvertently omitted from the closing package. Please find the bank statements attached for your review.<br> These statements are sufficient to cover the required 4 months of reserves. - Seller-12/03/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-34870.76'. Assets are Insufficient. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. The bank statements for the asset amount of $99,470.44, as reflected on the 1003, were inadvertently omitted from the closing package. Please find the bank statements attached for your review.<br> These statements are sufficient to cover the required 4 months of reserves. - Seller-12/03/2025<br>| Resolved-Received missing Assets. - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 800 and minimum allowed is 660. Required is 660 Borrower has 800<br>Qualifying DTI below maximum allowed - DTI is 43.18% and max allowed is 50% Required is 50 Borrower has 43.18 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851927 | xxxxxx D B A | Closed | xxxxxx | 2025-12-12 20:35 | 2025-12-23 11:59 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received signed tax returns - Due Diligence Vendor-12/23/2025 <br> Open-Borrower 1 Tax Returns Not Signed Missing the signed 2024 & 2023 1040s. - Due Diligence Vendor-12/13/2025 |  | Resolved-Received signed tax returns - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO min is 700 Borrower has 723 Required is 700 Borrower has 723<br>CLTV is less than guidelines maximum - CLTV Max is 85 Borrower has 63.47 Required is 85 Borrower has 63.47 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851927 | xxxxxx D B A | Closed | xxxxxx | 2025-12-12 20:35 | 2025-12-23 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received income calculation - Due Diligence Vendor-12/23/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing the Income Calculation Worksheets for the borrower's income and REO. - Due Diligence Vendor-12/13/2025 |  | Resolved-Received income calculation - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO min is 700 Borrower has 723 Required is 700 Borrower has 723<br>CLTV is less than guidelines maximum - CLTV Max is 85 Borrower has 63.47 Required is 85 Borrower has 63.47 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851927 | xxxxxx D B A | Closed | xxxxxx | 2025-12-10 15:38 | 2025-12-10 15:38 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO min is 700 Borrower has 723 Required is 700 Borrower has 723<br>CLTV is less than guidelines maximum - CLTV Max is 85 Borrower has 63.47 Required is 85 Borrower has 63.47 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 851934 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 10:26 | 2025-11-06 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-11/06/2025 <br> Open-Borrower 1 Credit Report is Missing. Missing Credit Report - Due Diligence Vendor-10/29/2025 |  | Resolved-Received Credit Report. - Due Diligence Vendor-11/06/2025<br>| Long term residence - 7 years at current residence<br>Months Reserves exceed minimum required - 38.37mos reserves. Per guides, 6mos reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851934 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 10:23 | 2025-11-06 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Received Legible copy of the Flood Cert. - Due Diligence Vendor-11/06/2025 <br> Open-Flood Certificate is Partially Provided Flood Certificate partially encrypted - Due Diligence Vendor-10/29/2025 |  | Resolved-Received Legible copy of the Flood Cert. - Due Diligence Vendor-11/06/2025<br>| Long term residence - 7 years at current residence<br>Months Reserves exceed minimum required - 38.37mos reserves. Per guides, 6mos reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851934 | xxxxxx D A | Closed | xxxxxx | 2025-10-29 10:23 | 2025-11-06 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received Premium - Due Diligence Vendor-11/06/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Hazard Insurance Policy missing premium amount. - Due Diligence Vendor-10/29/2025 |  | Resolved-Received Premium - Due Diligence Vendor-11/06/2025<br>| Long term residence - 7 years at current residence<br>Months Reserves exceed minimum required - 38.37mos reserves. Per guides, 6mos reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851943 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851944 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 851950 | xxxxxx C A | Closed | xxxxxx | 2025-11-06 12:22 | 2025-11-07 15:18 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-After further review, the legal description is attached to the mortgage, p. 235. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Already included in the original upload, page 179. Reuploaded - Seller-11/07/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide the subject property's legal description. - Due Diligence Vendor-11/06/2025 | Ready for Review-Already included in the original upload, page 179. Reuploaded - Seller-11/07/2025<br>| Resolved-After further review, the legal description is attached to the mortgage, p. 235. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 789. Min FICO required is 700.<br>Months Reserves exceed minimum required - Borrower has 8.55 months reserves. Guidelines require 6 months reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851950 | xxxxxx C A | Closed | xxxxxx | 2025-11-07 11:50 | 2025-11-07 12:18 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Commercial Loan app uploaded with Citizenship provided. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Commercial Loan app uploaded - Seller-11/07/2025 <br> Open-Citizenship/Residency status was not completed by the borrower on the 1003. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. Commercial Loan app uploaded - Seller-11/07/2025<br>| Resolved-Commercial Loan app uploaded with Citizenship provided. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO is 789. Min FICO required is 700.<br>Months Reserves exceed minimum required - Borrower has 8.55 months reserves. Guidelines require 6 months reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851984 | xxxxxx B A | Closed | xxxxxx | 2025-11-07 16:27 | 2025-11-10 10:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The guarantor is currently living rent free in a property owned by her father who is a 25% owner of the entity The guidelines do not allow purchase of an investment while living rent free. An exception was provided. - Due Diligence Vendor-11/07/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/10/2025<br>| Credit history exceeds minimum required - Greater than minimum required<br>LTV is less than guideline maximum - 75% LTV vs. max 80% | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Experienced investor owns and manages 2 or more properties for 12 months<br> Credit Score 10 points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 851986 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 12:55 | 2025-11-25 15:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Guaranty Agreement provided. - Due Diligence Vendor-11/25/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. The guidelines require a full recourse personal guaranty agreement, which is missing from the loan file. - Due Diligence Vendor-11/05/2025 |  | Resolved-Guaranty Agreement provided. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum credit score is 640; borrower qualifying credit score is 723.<br>LTV is less than guideline maximum - Maximum allowable LTV is 80% - actual is 75% LTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851986 | xxxxxx D A | Closed | xxxxxx | 2025-11-05 13:28 | 2025-11-25 15:18 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Document Uploaded. Assets provided. - Due Diligence Vendor-11/25/2025 <br> Counter-Received printout only-asset documentation must meet guidelines 2.6.2 - Due Diligence Vendor-11/11/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements The borrower is required to verify $142,516.11 cash to close and $8,487.46 in cash reserves. However, there is no asset documentation in the loan file. - Due Diligence Vendor-11/05/2025 |  | Resolved-Document Uploaded. Assets provided. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum credit score is 640; borrower qualifying credit score is 723.<br>LTV is less than guideline maximum - Maximum allowable LTV is 80% - actual is 75% LTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851988 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851994 | xxxxxx C A | Closed | xxxxxx | 2025-12-23 07:36 | 2026-01-02 07:48 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/02/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($250.00) exceed the comparable charges ($200.00) 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-12/23/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/02/2026<br>| LTV is less than guideline maximum - Required is 90. Borrower has 80. Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640. Borrower has 802. Required is 640 Borrower has 802<br>Qualifying DTI below maximum allowed - Required is 45. Borrower has 32.44. Required is 45 Borrower has 32.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851994 | xxxxxx C A | Closed | xxxxxx | 2025-12-17 12:11 | 2025-12-23 07:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved----Received CD dated xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-12/23/2025 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-12/17/2025 |  | Resolved----Received CD dated xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-12/23/2025 | LTV is less than guideline maximum - Required is 90. Borrower has 80. Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640. Borrower has 802. Required is 640 Borrower has 802<br>Qualifying DTI below maximum allowed - Required is 45. Borrower has 32.44. Required is 45 Borrower has 32.44 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852094 | xxxxxx C B A | Closed | xxxxxx | 2025-11-11 10:53 | 2025-12-01 10:16 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value - Due Diligence Vendor-12/01/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-11/11/2025 |  | Resolved-Received Desk Review supporting the appraised value - Due Diligence Vendor-12/01/2025<br>| Months Reserves exceed minimum required - 5.17 months reserves; 2 months reserves required<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x17 months, guides allow up to 1x30x12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 709 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852094 | xxxxxx C B A | Closed | xxxxxx | 2025-11-11 15:11 | 2025-11-24 11:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client provided a waiver for LTV exceed guideline LTV, applied to non material finding with comp factors - Due Diligence Vendor-11/24/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% A vacant property as indicated on the appraisal is allowed subject to the following:<br> ▪ LTV/CLTV limits: Lesser of 70%, or the LTV/CLTV based upon the DSCR/FICO/Loan balance matrix.<br> Appraisal and appraisal update both note subject is vacant with the same pictures and no update to indicate the property is actively leased. As a result, the maximum LTV allowed for the subject refinance is 70%. - Due Diligence Vendor-11/11/2025 |  | Waived-Client provided a waiver for LTV exceed guideline LTV, applied to non material finding with comp factors - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - 5.17 months reserves; 2 months reserves required<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x17 months, guides allow up to 1x30x12 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 709 | Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 2 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 852126 | xxxxxx C B A | Closed | xxxxxx | 2025-11-26 09:23 | 2025-12-15 10:46 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received policy. - Due Diligence Vendor-12/15/2025 <br> Counter-Received Master policy. Crime noted as employee dishonesty. These policies must cover employee dishonesty, fraud, and E&O, with the E&O amount matching the fidelity bond - Due Diligence Vendor-12/09/2025 <br> Open-Fidelity Coverage not met. The guidelines state, for projects with more than 20 units, fidelity coverage must equal at least three months of total HOA assessments for all units. The master insurance policy does not reflect fidelity coverage. - Due Diligence Vendor-11/26/2025 |  | Resolved-Received policy. - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrowers' qualifying FICO is 767. Required is 680 Borrower has 767<br>LTV is less than guideline maximum - Guideline maximum LTV is 80%. Subject LTV is 74.7%. Required is 80 Borrower has 74.7 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852126 | xxxxxx C B A | Closed | xxxxxx | 2025-11-25 13:22 | 2025-12-08 14:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder in Control of the HOA | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to projects under developer or builder control will be considered case-by-case.<br> - Due Diligence Vendor-12/08/2025 <br> Open-Builder is in control of HOA Guidelines state, "HOA control is required; however, projects under developer or builder control will be considered case-by-case." Both appraisals indicate that the HOA is turned over to the association. However, the HOA Questionnaire indicates it has not been turned over and will be in xxxxxx. - Due Diligence Vendor-11/25/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to projects under developer or builder control will be considered case-by-case.<br> - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrowers' qualifying FICO is 767. Required is 680 Borrower has 767<br>LTV is less than guideline maximum - Guideline maximum LTV is 80%. Subject LTV is 74.7%. Required is 80 Borrower has 74.7 | LTV/CLTV 5% or more below the maximum allowed underapplicable guidelines.<br> Credit score 20 points > minimum required.<br> Reserves exceed requirement by 10 months or more. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 852126 | xxxxxx C B A | Closed | xxxxxx | 2025-11-26 10:07 | 2025-12-08 11:46 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received missing bank statements. - Due Diligence Vendor-12/08/2025 <br> Open-Income and Employment Do Not Meet Guidelines 12 months bank statments used for income qualificiation. Missing 10/2024 and 05/2025 bank statements. Additional conditions may apply. - Due Diligence Vendor-11/26/2025 |  | Resolved-Received missing bank statements. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrowers' qualifying FICO is 767. Required is 680 Borrower has 767<br>LTV is less than guideline maximum - Guideline maximum LTV is 80%. Subject LTV is 74.7%. Required is 80 Borrower has 74.7 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852126 | xxxxxx C B A | Closed | xxxxxx | 2025-11-26 10:05 | 2025-12-08 11:40 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report w/ both appraisal on the Participant list. - Due Diligence Vendor-12/08/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Missing second appraiser on loan participants list. - Due Diligence Vendor-11/26/2025 |  | Resolved-Received Fraud report w/ both appraisal on the Participant list. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrowers' qualifying FICO is 767. Required is 680 Borrower has 767<br>LTV is less than guideline maximum - Guideline maximum LTV is 80%. Subject LTV is 74.7%. Required is 80 Borrower has 74.7 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852126 | xxxxxx C B A | Closed | xxxxxx | 2025-11-26 08:57 | 2025-12-05 14:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-The guidelines, for new condos, state that at least 50% of the total units (or units in the subject's legal phase) must be sold and conveyed, and at least 50%must be owner-occupied. The subject property is a new xxxxxx and only xxxxxx of the xxxxxx units are owner occupied. Client Exception in file. Non-material with comp factors. - Due Diligence Vendor-12/05/2025 <br> Open-The guidelines, for new condos, state that at least 50% of the total units (or units in the subject's legal phase) must be sold and conveyed, and at least 50%must be owner-occupied. The subject property is a new xxxxxx and only xxxxxx of the xxxxxx units are owner occupied. Exception in file. Non-material with comp factors. - Due Diligence Vendor-11/26/2025 |  | Waived-The guidelines, for new condos, state that at least 50% of the total units (or units in the subject's legal phase) must be sold and conveyed, and at least 50%must be owner-occupied. The subject property is a new xxxxxx and only xxxxxx of the xxxxxx units are owner occupied. Client Exception in file. Non-material with comp factors. - Due Diligence Vendor-12/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrowers' qualifying FICO is 767. Required is 680 Borrower has 767<br>LTV is less than guideline maximum - Guideline maximum LTV is 80%. Subject LTV is 74.7%. Required is 80 Borrower has 74.7 | LTV/CLTV 5% or more below the maximum allowed underapplicable guidelines.<br> Credit score 20 points > minimum required.<br> Reserves exceed requirement by 10 months or more. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 852132 | xxxxxx D B A | Closed | xxxxxx | 2025-11-24 16:16 | 2025-12-09 13:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client waiver applied to non-material finding with compensating factors. Less than 6 months ownership seasoning. - Due Diligence Vendor-12/09/2025 <br>Open-Lender exception in file to allow use of appraised value with less than 6 months ownership seasoning. - Due Diligence Vendor-11/24/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Less than 6 months ownership seasoning. - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 760 and minimum required is 680 Required is 680 Borrower has 760<br>LTV is less than guideline maximum - LTV is 60.63% and max allowed is 80% Required is 80 Borrower has 60.36<br>Qualifying DTI below maximum allowed - DTI is 32.10% and max allowed is 43% Required is 43 Borrower has 32.1 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Total debt payment reduced more than $1,000 per month | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 852132 | xxxxxx D B A | Closed | xxxxxx | 2025-11-21 13:11 | 2025-12-09 13:24 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Client waiver applied to non-material finding with compensating factors. Borrower is xxxxxx less than 2 years. - Due Diligence Vendor-12/09/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Lender exception in file to allow borrower being self-employed less than 2 years. - Due Diligence Vendor-11/21/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Borrower is xxxxxx less than 2 years. - Due Diligence Vendor-12/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 760 and minimum required is 680 Required is 680 Borrower has 760<br>LTV is less than guideline maximum - LTV is 60.63% and max allowed is 80% Required is 80 Borrower has 60.36<br>Qualifying DTI below maximum allowed - DTI is 32.10% and max allowed is 43% Required is 43 Borrower has 32.1 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Total debt payment reduced more than $1,000 per month | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 852132 | xxxxxx D B A | Closed | xxxxxx | 2025-11-21 14:02 | 2025-12-03 14:05 | 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-12/03/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing documentation to support real estate taxes used for qualification - Due Diligence Vendor-11/24/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 760 and minimum required is 680 Required is 680 Borrower has 760<br>LTV is less than guideline maximum - LTV is 60.63% and max allowed is 80% Required is 80 Borrower has 60.36<br>Qualifying DTI below maximum allowed - DTI is 32.10% and max allowed is 43% Required is 43 Borrower has 32.1 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852132 | xxxxxx D B A | Closed | xxxxxx | 2025-11-21 12:36 | 2025-12-03 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received re tax calculation. - Due Diligence Vendor-12/03/2025 <br> Open-Missing Evidence of Property Tax Missing documentation to support real estate taxes used for qualification. Tax Bill reflects tax rate of 1.099588% plus xxxxxx direct assessments; lender used a tax rate of 1.067432% times the current appraised value, plus xxxxxx direct assessments.Additional conditions may apply. - Due Diligence Vendor-11/24/2025 |  | Resolved-Received re tax calculation. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 760 and minimum required is 680 Required is 680 Borrower has 760<br>LTV is less than guideline maximum - LTV is 60.63% and max allowed is 80% Required is 80 Borrower has 60.36<br>Qualifying DTI below maximum allowed - DTI is 32.10% and max allowed is 43% Required is 43 Borrower has 32.1 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852133 | xxxxxx D A | Closed | xxxxxx | 2025-11-06 21:41 | 2026-01-12 09:55 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-01/12/2026 <br>Resolved-Appraisal provided. - Due Diligence Vendor-11/14/2025 <br>Open-Appraisal is Missing Missing appraisal. - Due Diligence Vendor-11/10/2025 |  | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-01/12/2026 <br>Resolved-Appraisal provided. - Due Diligence Vendor-11/14/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - minimum DSCR is .75 and the borrower has a 1.368%<br>Months Reserves exceed minimum required - 6 MONTHS PITIA RESERVES REQUIRED AND THE BORROWERS HAVE 39.54 MOTNHS PITIA |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852133 | xxxxxx D A | Closed | xxxxxx | 2025-11-10 10:38 | 2025-11-14 07:51 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Addendum to title provided. - Due Diligence Vendor-11/14/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). title coverage not sufficient - Due Diligence Vendor-11/10/2025 |  | Resolved-Addendum to title provided. - Due Diligence Vendor-11/14/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - minimum DSCR is .75 and the borrower has a 1.368%<br>Months Reserves exceed minimum required - 6 MONTHS PITIA RESERVES REQUIRED AND THE BORROWERS HAVE 39.54 MOTNHS PITIA |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852133 | xxxxxx D A | Closed | xxxxxx | 2025-11-06 21:24 | 2025-11-14 07:49 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-1025 appraisal recieved. - Due Diligence Vendor-11/14/2025 <br>Open-Missing Third Party Market Rent Source - Due Diligence Vendor-11/07/2025 |  | Resolved-1025 appraisal recieved. - Due Diligence Vendor-11/14/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - minimum DSCR is .75 and the borrower has a 1.368%<br>Months Reserves exceed minimum required - 6 MONTHS PITIA RESERVES REQUIRED AND THE BORROWERS HAVE 39.54 MOTNHS PITIA |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852138 | xxxxxx D A | Closed | xxxxxx | 2025-11-04 22:03 | 2025-11-10 11:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received summary-guidelines require 1008 - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Open-Missing Approval/Underwriting Summary , guidelines call for 1008 - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Received summary-guidelines require 1008 - Due Diligence Vendor-11/06/2025<br>| DSCR % greater than 1.20 - Audit DSCR is 1.401<br>Months Reserves exceed minimum required - Minimum reserves are 2 months, Borrower has 58.48 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852144 | xxxxxx D A | Closed | xxxxxx | 2025-11-25 15:32 | 2025-12-05 07:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received Final 1003. Finding Resolved - Due Diligence Vendor-12/05/2025 <br>Open-The Final 1003 is Missing -----Missing Final 1003, Signed - Due Diligence Vendor-11/25/2025 |  | Resolved-Received Final 1003. Finding Resolved - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 732 Required is 680 Borrower has 732<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 53.52 Required is 80 Borrower has 53.52<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.7 Required is 50 Borrower has 35.7 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852149 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852187 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852192 | xxxxxx D A | Closed | xxxxxx | 2025-11-21 12:33 | 2025-12-04 14:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Leases provided, DTI under 50%. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/04/2025 <br> Counter-Received PITIA validation-missing leases for subject and xxxxxx as rental income has been considered. - Due Diligence Vendor-12/03/2025 <br> Counter-Received REO and primary pitia calculations-dti 50.39% - Due Diligence Vendor-12/03/2025 <br> Counter-Received REO docs confirming payments and calculation. DTI still excessive. - Due Diligence Vendor-12/02/2025 <br> Counter-Received revised 1008-review is unable to validate. Appears difference in REO loss-audit reflects reo loss of $13785.20 and subject loss of $5943.43. Please provide reo calculation and corresponding 1003 for review. - Due Diligence Vendor-11/25/2025 <br> Open-Audited DTI of 50.15% exceeds Guideline DTI of 50% \*New\* Received 2nd Lien payment confirmation for xxxxxx. - Due Diligence Vendor-11/21/2025 |  | Resolved-Leases provided, DTI under 50%. - Due Diligence Vendor-12/04/2025<br>| Months Reserves exceed minimum required - 100 Months Reserves verified exceed minimum required of 6<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 742 742 FICO exceeds 660 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852192 | xxxxxx D A | Closed | xxxxxx | 2025-11-12 14:21 | 2025-12-04 14:42 | Resolved | 1 - Information D A | Property | Missing Doc | Completion Report (442/1004D) is Partially Provided (Primary Value) | Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/04/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is Partially Present Completion Report (1004D) shows that subject is under contract for xxxxxx and Date of Contract of xxxxxx. - Due Diligence Vendor-11/12/2025 |  | Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-12/04/2025<br>| Months Reserves exceed minimum required - 100 Months Reserves verified exceed minimum required of 6<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 742 742 FICO exceeds 660 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852192 | xxxxxx D A | Closed | xxxxxx | 2025-11-11 13:30 | 2025-11-21 12:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received REO documentation. - Due Diligence Vendor-11/21/2025 <br> Open-1. Missing verification of HOA for primary residence (REO xxxxxx). If applicable, monthly assessment to be included and DTI recalculated. Additional findings may apply.<br> 2. Missing verification of HELOC payment and HOA for REO xxxxxx. File includes a HELOC Agreement dated xxxxxx (PDF 134). If applicable, HELOC payment and monthly assessment to be included and DTI recalculated. Additional findings may apply.<br> 3. Missing verification of HOA for (REO xxxxxx). If applicable, monthly assessment to be included and DTI recalculated. Additional findings may apply. - Due Diligence Vendor-11/11/2025 |  | Resolved-Received REO documentation. - Due Diligence Vendor-11/21/2025<br>| Months Reserves exceed minimum required - 100 Months Reserves verified exceed minimum required of 6<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 742 742 FICO exceeds 660 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852247 | xxxxxx B A | Closed | xxxxxx | 2025-10-30 14:43 | 2025-10-30 15:10 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/30/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/30/2025<br>| Months Reserves exceed minimum required - Reserves = 19.61 months – Required Reserves = 0 Months<br>Qualifying DTI below maximum allowed - DTI = 10.74% - Max DTI = 49.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 852260 | xxxxxx C B A | Closed | xxxxxx | 2025-11-21 14:17 | 2025-11-21 14:18 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-11/21/2025 <br> Open-Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-11/21/2025 |  | Waived-Client waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-11/21/2025<br>| Months Reserves exceed minimum required - 30.64 months reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 792; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852260 | xxxxxx C B A | Closed | xxxxxx | 2025-11-03 11:39 | 2025-11-07 11:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty Discrepancy | Waived-Client provided a waiver for the Tape Discrepancy, applied to non material finding with comp factors - Due Diligence Vendor-11/07/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: 24 months. Diligence value 36 months. - Due Diligence Vendor-11/04/2025 |  | Waived-Client provided a waiver for the Tape Discrepancy, applied to non material finding with comp factors - Due Diligence Vendor-11/07/2025<br>| Months Reserves exceed minimum required - 30.64 months reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 792; guidelines require 700. | Months Reserves exceed minimum required - 30.64 months reserves; 6 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 792; guidelines require 700 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852268 | xxxxxx C A | Closed | xxxxxx | 2025-12-22 20:05 | 2025-12-29 11:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received documentation confirming xxxxxx refinanced. - Due Diligence Vendor-12/29/2025 <br> Open-Audited DTI of 66.36% exceeds Guideline DTI of 50%. Provide evidence that the following account listed in the credit report are paid off and $0 Balance. The debts were excluded but not proof was provided. xxxxxx - Due Diligence Vendor-12/23/2025 |  | Resolved-Received documentation confirming xxxxxx refinanced. - Due Diligence Vendor-12/29/2025 | LTV is less than guideline maximum - Required is 75 Borrower has 61.22<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 684 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852268 | xxxxxx C A | Closed | xxxxxx | 2025-12-22 15:47 | 2025-12-29 11:11 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received proof of debt refinanced. - Due Diligence Vendor-12/29/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending accounts excluded from the DTI. - Due Diligence Vendor-12/23/2025 |  | Resolved-Received proof of debt refinanced. - Due Diligence Vendor-12/29/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 61.22<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 684 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852268 | xxxxxx C A | Closed | xxxxxx | 2025-12-22 15:32 | 2025-12-23 12:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-After further review, the cash out covers reserves. - Due Diligence Vendor-12/23/2025 <br>Open-Audited Reserves of 2.46 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/22/2025 |  | Resolved-After further review, the cash out covers reserves. - Due Diligence Vendor-12/23/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 61.22<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 684 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852273 | xxxxxx B A | Closed | xxxxxx | 2025-12-10 16:47 | 2026-01-12 16:06 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-APR on subject loan of 8.971% is within allowable threshold of APOR of 6.16% + 3.75% or 9.91% - Due Diligence Vendor-01/12/2026 <br> Waived-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR - Due Diligence Vendor-12/10/2025 |  | Resolved-APR on subject loan of 8.971% is within allowable threshold of APOR of 6.16% + 3.75% or 9.91% - Due Diligence Vendor-01/12/2026 <br> Waived-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR - Due Diligence Vendor-12/10/2025 | CLTV is less than guidelines maximum - Max CLTV is 80 Borrower has 63.04 Required is 80 Borrower has 63.04<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 761 Required is 680 Borrower has 761 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852273 | xxxxxx B A | Closed | xxxxxx | 2025-12-10 16:26 | 2025-12-10 16:26 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings - Due Diligence Vendor-12/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings - Due Diligence Vendor-12/10/2025<br>| CLTV is less than guidelines maximum - Max CLTV is 80 Borrower has 63.04 Required is 80 Borrower has 63.04<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 761 Required is 680 Borrower has 761 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852280 | xxxxxx D B C A | Closed | xxxxxx | 2025-12-03 15:56 | 2025-12-08 17:29 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received CD xxxxxx. - Due Diligence Vendor-12/08/2025 <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 $175.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $175.00 (Appraisal 1004d Fee) there is a COC in file for change however, the LE or CD for that COC is missing from file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $175.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-12/03/2025 |  | Resolved-Received CD xxxxxx. - Due Diligence Vendor-12/08/2025 | LTV is less than guideline maximum - LTV is 62.07% and max allowed is 80% Required is 80 Borrower has 62.07<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 755 and minimum allowed is 660. Required is 660 Borrower has 755<br>Qualifying DTI below maximum allowed - DTI is 40.49% and max allowed is 50% Required is 50 Borrower has 40.49 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852280 | xxxxxx D B C A | Closed | xxxxxx | 2025-12-08 14:19 | 2025-12-08 14:20 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived-Originator waiver applied to non material finding with comp factors.<br> - Due Diligence Vendor-12/08/2025 <br>Open-Borrower is a permanent resident alien-1003 shows xxxxxx - Due Diligence Vendor-12/08/2025 |  | Waived-Originator waiver applied to non material finding with comp factors.<br> - Due Diligence Vendor-12/08/2025<br>| LTV is less than guideline maximum - LTV is 62.07% and max allowed is 80% Required is 80 Borrower has 62.07<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 755 and minimum allowed is 660. Required is 660 Borrower has 755<br>Qualifying DTI below maximum allowed - DTI is 40.49% and max allowed is 50% Required is 50 Borrower has 40.49 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 852282 | xxxxxx C A | Closed | xxxxxx | 2025-12-03 09:34 | 2025-12-08 11:37 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received revised 1003 - Due Diligence Vendor-12/08/2025 <br> Open-Per lender's applications the borrower is self-employed. Not allowed for the doc type. Per the xxxxxx the borrower is not an owner of the company. Lender to updated loan application. - Due Diligence Vendor-12/03/2025 |  | Resolved-Received revised 1003 - Due Diligence Vendor-12/08/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.17 Required is 50 Borrower has 36.17<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 722 Required is 620 Borrower has 722<br>LTV is less than guideline maximum - Required is 80 Borrower has 66.89 Required is 80 Borrower has 66.89 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852282 | xxxxxx C A | Closed | xxxxxx | 2025-12-02 14:37 | 2025-12-03 17:19 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-After further review, these inquiries are a result of the initial credit report. - Due Diligence Vendor-12/03/2025 <br> Open-LOX for credit inquiries is missing. Gap report reflects 2 inquiries that have not been addressed by the Brw yet- xxxxxx on xxxxxx. LOE required. - Due Diligence Vendor-12/02/2025 |  | Resolved-After further review, these inquiries are a result of the initial credit report. - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.17 Required is 50 Borrower has 36.17<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 722 Required is 620 Borrower has 722<br>LTV is less than guideline maximum - Required is 80 Borrower has 66.89 Required is 80 Borrower has 66.89 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852291 | xxxxxx D A | Closed | xxxxxx | 2025-11-17 08:58 | 2025-12-05 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received email confirmed #11 of schedule B has been met. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/04/2025 <br> Counter-Received PACE-please provide confirmation from title #11 of schedule B has been met. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/03/2025 <br> Counter-Chain of title provided, however we are missing confirmation #11 of Schedule B has been met. - Due Diligence Vendor-11/20/2025 <br> Counter-Received preliminary title-missing confirmation #11 of Schedule B has been met. - Due Diligence Vendor-11/19/2025 <br> Open-Title Document is missing Title report required-subject to review and possible additional conditions - Due Diligence Vendor-11/17/2025 |  | Resolved-Received email confirmed #11 of schedule B has been met. - Due Diligence Vendor-12/05/2025<br>| Long term residence - 6.3 years at current residence<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37<br>LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852291 | xxxxxx D A | Closed | xxxxxx | 2025-11-18 10:05 | 2025-12-05 09:22 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received satisfactory chain of title - Due Diligence Vendor-11/19/2025 <br>Open-Unsatisfactory Chain of Title provided. Missing 24 month Chain of Title - Due Diligence Vendor-11/18/2025 |  | Resolved-Received satisfactory chain of title - Due Diligence Vendor-11/19/2025<br>| Long term residence - 6.3 years at current residence<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37<br>LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852291 | xxxxxx D A | Closed | xxxxxx | 2025-11-17 09:16 | 2025-12-03 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-11/19/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-11/17/2025 |  | Resolved-Received flood cert. - Due Diligence Vendor-11/19/2025<br>| Long term residence - 6.3 years at current residence<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37<br>LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852291 | xxxxxx D A | Closed | xxxxxx | 2025-11-17 09:16 | 2025-12-03 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received corrected HOI - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Counter-Received HOI policy-reflects only borrower as insured does not include xxxxxx An xxxxxx. - Due Diligence Vendor-11/19/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Received corrected HOI - Due Diligence Vendor-12/03/2025<br>| Long term residence - 6.3 years at current residence<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37<br>LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852291 | xxxxxx D A | Closed | xxxxxx | 2025-11-17 09:30 | 2025-12-02 10:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received LOX no HOA. - Due Diligence Vendor-12/02/2025 <br> Open-\*Missing statement of HOA or documentation of no HOA for REO xxxxxx. <br> \*Missing documentation of taxes for REO xxxxxx. - Due Diligence Vendor-11/17/2025 |  | Resolved-Received LOX no HOA. - Due Diligence Vendor-12/02/2025<br>| Long term residence - 6.3 years at current residence<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37<br>LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852293 | xxxxxx D A | Closed | xxxxxx | 2025-11-25 11:45 | 2025-12-23 13:59 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Received LOE on borrowers request to lock repository. - Due Diligence Vendor-12/23/2025 <br> Counter-Credit report reflects Experian Locked by consumer with no explanation-finding remains. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Per our xxxxxx, "borrowers must have a minimum of (2) FICO scores".<br> - Seller-12/11/2025 <br> Open-Borrower 1 Credit Report is Partially Present. Missing a tri-merged credit report required by guidelines. Credit report in file (PDF 118) notes that Experian file was locked. Additional findings may apply. - Due Diligence Vendor-11/25/2025 | Ready for Review-Per our xxxxxx, "borrowers must have a minimum of (2) FICO scores".<br> - Seller-12/11/2025 | Resolved-Received LOE on borrowers request to lock repository. - Due Diligence Vendor-12/23/2025<br>| LTV is less than guideline maximum - Guideline maximum LTV is 80%. SUbject LTV is 24.12%. Required is 80 Borrower has 24.12<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrower's qualifying FICO is 780. Required is 680 Borrower has 780<br>Qualifying DTI below maximum allowed - Guideline maximum DTI is 50%. Borrower's DTI is 44.77%. Required is 50 Borrower has 44.77 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852293 | xxxxxx D A | Closed | xxxxxx | 2025-11-25 11:45 | 2025-12-23 11:17 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received grant deed. - Due Diligence Vendor-12/23/2025 <br> Counter-Received property profile. Provide Warranty or Grant Deed to confirm no private liens. - Due Diligence Vendor-12/18/2025 <br> Counter-Received tax cert confirming Lot only-missing confirmation Lot is owned free and clear. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Please see attached!<br> - Buyer-12/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing payment history meeting guideline requirements for REO xxxxxx, if applicable. 1003 (PDF 64) shows no mortgage and no documentation was provided for this property. Additional findings may apply. - Due Diligence Vendor-11/25/2025 |  | Resolved-Received grant deed. - Due Diligence Vendor-12/23/2025<br>| LTV is less than guideline maximum - Guideline maximum LTV is 80%. SUbject LTV is 24.12%. Required is 80 Borrower has 24.12<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrower's qualifying FICO is 780. Required is 680 Borrower has 780<br>Qualifying DTI below maximum allowed - Guideline maximum DTI is 50%. Borrower's DTI is 44.77%. Required is 50 Borrower has 44.77 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852293 | xxxxxx D A | Closed | xxxxxx | 2025-11-25 10:48 | 2025-12-18 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Borrower Certification of Business Purpose - Due Diligence Vendor-12/18/2025 <br> Counter-Business Purpose affidavit required on Cash Out NOO. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-We've included the "Business Purpose Certification" for our DSCR programs, but haven't been conditioned to provide a "Business Purpose Affidavit Disclosure" for other programs - Buyer-12/11/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing File includes an Occupancy Affidavit only for a cash out refinance of investment property. - Due Diligence Vendor-11/25/2025 |  | Resolved-Received Borrower Certification of Business Purpose - Due Diligence Vendor-12/18/2025<br>| LTV is less than guideline maximum - Guideline maximum LTV is 80%. SUbject LTV is 24.12%. Required is 80 Borrower has 24.12<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrower's qualifying FICO is 780. Required is 680 Borrower has 780<br>Qualifying DTI below maximum allowed - Guideline maximum DTI is 50%. Borrower's DTI is 44.77%. Required is 50 Borrower has 44.77 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852293 | xxxxxx D A | Closed | xxxxxx | 2025-11-25 11:00 | 2025-12-05 09:32 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received updated appraisal. - Due Diligence Vendor-12/05/2025 <br> Open-Appraiser to address page 1 of appraisal (PDF 163) where box is check no for property listed in prior 12 months but the comment states that the subject property has been offered for sale in the twelve months prior to the effective date of this appraisal. Additional findings may apply since Audit reviewed as if not listed. - Due Diligence Vendor-11/25/2025 |  | Resolved-Received updated appraisal. - Due Diligence Vendor-12/05/2025<br>| LTV is less than guideline maximum - Guideline maximum LTV is 80%. SUbject LTV is 24.12%. Required is 80 Borrower has 24.12<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrower's qualifying FICO is 780. Required is 680 Borrower has 780<br>Qualifying DTI below maximum allowed - Guideline maximum DTI is 50%. Borrower's DTI is 44.77%. Required is 50 Borrower has 44.77 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852293 | xxxxxx D A | Closed | xxxxxx | 2025-11-25 11:28 | 2025-12-03 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received lot tax cert. - Due Diligence Vendor-12/03/2025 <br> Open-Missing verification of PITIA for REO xxxxxx. If applicable, payment to be included and DTI recalculated. Audit used $45.34 from 1003 to qualify. additional findings may apply. - Due Diligence Vendor-11/25/2025 |  | Resolved-Received lot tax cert. - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - Guideline maximum LTV is 80%. SUbject LTV is 24.12%. Required is 80 Borrower has 24.12<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrower's qualifying FICO is 780. Required is 680 Borrower has 780<br>Qualifying DTI below maximum allowed - Guideline maximum DTI is 50%. Borrower's DTI is 44.77%. Required is 50 Borrower has 44.77 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852294 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852319 | xxxxxx B A | Closed | xxxxxx | 2025-11-12 13:40 | 2025-11-17 09:54 | Resolved | 1 - Information B A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received Updated Appraisal reflecting Tenant Occupied. - Due Diligence Vendor-11/17/2025 <br> Open-Subject submitted as investment; appraisal reflects owner occupied. - Due Diligence Vendor-11/12/2025 |  | Resolved-Received Updated Appraisal reflecting Tenant Occupied. - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.8<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 729 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852329 | xxxxxx C A | Closed | xxxxxx | 2025-11-03 11:46 | 2025-11-24 16:23 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received revised appraisal with project information. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. PLease see attached - Seller-11/20/2025 <br> Counter-Attached Snip - Subject Phase, if Project Complete and if Project Incomplete was not filled out by the appraiser. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. The unit number is shown on the report. see attached - Seller-11/17/2025 <br> Open-Property Issues are identified for the property No property issue appraisal incomeplete - missing project information - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. PLease see attached - Seller-11/20/2025 <br>Ready for Review-Document Uploaded. The unit number is shown on the report. see attached - Seller-11/17/2025<br>| Resolved-Received revised appraisal with project information. - Due Diligence Vendor-11/24/2025<br>| Credit history exceeds minimum required - Credit history exceeds minimum required OF minimum 2 tradelines reporting in the last 24-months w/activity in last 12- months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 720 is higher than 680 minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852329 | xxxxxx C A | Closed | xxxxxx | 2025-11-01 07:43 | 2025-11-17 16:57 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Recorded Mortgage w/ all pages. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. DOT attached - Seller-11/13/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing page 2 of Deed. Please provide Deed (Including all pages). - Due Diligence Vendor-11/01/2025 | Ready for Review-Document Uploaded. DOT attached - Seller-11/13/2025<br>| Resolved-Received Recorded Mortgage w/ all pages. - Due Diligence Vendor-11/17/2025<br>| Credit history exceeds minimum required - Credit history exceeds minimum required OF minimum 2 tradelines reporting in the last 24-months w/activity in last 12- months<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 720 is higher than 680 minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852338 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852349 | xxxxxx D B A | Closed | xxxxxx | 2025-12-03 10:41 | 2025-12-15 10:53 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Resolved with waiver applied to alternate finding. - Due Diligence Vendor-12/15/2025 <br> Counter-Pending receipt of DTI exception approval. - Due Diligence Vendor-12/12/2025 <br> Counter-Pending outstanding DTI finding. - Due Diligence Vendor-12/09/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-12/03/2025 |  | Resolved-Resolved with waiver applied to alternate finding. - Due Diligence Vendor-12/15/2025<br>| Long term residence - Long term residence 22 years<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 791; minimum score 680. Required is 680 Borrower has 791 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852349 | xxxxxx D B A | Closed | xxxxxx | 2025-12-03 10:41 | 2025-12-15 10:53 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Resolved with waiver applied to alternate finding. - Due Diligence Vendor-12/15/2025 <br>Counter-Pending receipt of DTI exception approval. - Due Diligence Vendor-12/12/2025 <br>Counter-Pending outstanding DTI finding. - Due Diligence Vendor-12/09/2025 <br>Open-ATR: The Lender did not document all ATR Factors - Due Diligence Vendor-12/03/2025 |  | Resolved-Resolved with waiver applied to alternate finding. - Due Diligence Vendor-12/15/2025<br>| Long term residence - Long term residence 22 years<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 791; minimum score 680. Required is 680 Borrower has 791 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852349 | xxxxxx D B A | Closed | xxxxxx | 2025-12-03 10:46 | 2025-12-15 10:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client provided a waiver for DTI over 50% but less than 55%, applied to non material finding with comp factors - Due Diligence Vendor-12/15/2025 <br> Counter-Provide approved exception for DTI with compensating factors as noted received xxxxxx - Due Diligence Vendor-12/12/2025 <br> Open-Audited DTI of 51.02% exceeds Guideline DTI of 50% NO Auditor 51.02 % due to HOA from primary lender used lower amount. auditor used $758.40 with HOA $208.24 ; lender appears to have used $575.16 instead. Lender excluded the hOA payment paid buy other but no evidence that the third party made the payment - Due Diligence Vendor-12/03/2025 |  | Waived-Client provided a waiver for DTI over 50% but less than 55%, applied to non material finding with comp factors - Due Diligence Vendor-12/15/2025<br>| Long term residence - Long term residence 22 years<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 791; minimum score 680. Required is 680 Borrower has 791 | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more / Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 852349 | xxxxxx D B A | Closed | xxxxxx | 2025-12-03 10:29 | 2025-12-11 16:26 | Waived | 2 - Non-Material C B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Client exception granted to allow Gap credit report greater than 10 days of settlement (12 days). Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-12/11/2025 <br> Counter-Received UDM order date of xxxxxx. Order date must be within 10 days of Settlement Date. - Due Diligence Vendor-12/09/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-12/03/2025 |  | Waived-Client exception granted to allow Gap credit report greater than 10 days of settlement (12 days). Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-12/11/2025<br>| Long term residence - Long term residence 22 years<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 791; minimum score 680. Required is 680 Borrower has 791 | LTV 80% max 90%.<br> Borrower has a 791 credit score with 680 min | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 852349 | xxxxxx D B A | Closed | xxxxxx | 2025-12-03 10:16 | 2025-12-09 17:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Articles of Incorporation provided. - Due Diligence Vendor-12/09/2025 <br> Counter-Received Sunbiz. Document provided does not indicate percentage of ownership. - Due Diligence Vendor-12/09/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/04/2025 |  | Resolved-Articles of Incorporation provided. - Due Diligence Vendor-12/09/2025<br>| Long term residence - Long term residence 22 years<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 791; minimum score 680. Required is 680 Borrower has 791 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852349 | xxxxxx D B A | Closed | xxxxxx | 2025-12-03 10:34 | 2025-12-09 12:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received CD and Bank Statement to document large deposit. - Due Diligence Vendor-12/09/2025 <br>Open-Missing explanation and supporting documentation for large deposit(s)- Missing LOX and source document of large deposit wire 10/14/25 $132,100.16. - Due Diligence Vendor-12/03/2025 |  | Resolved-Received CD and Bank Statement to document large deposit. - Due Diligence Vendor-12/09/2025<br>| Long term residence - Long term residence 22 years<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 791; minimum score 680. Required is 680 Borrower has 791 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852349 | xxxxxx D B A | Closed | xxxxxx | 2025-12-02 14:27 | 2025-12-02 19:09 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-12/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-12/02/2025<br>| Long term residence - Long term residence 22 years<br>Qualifying FICO score is at least 20 points above minimum for program - qualifying score 791; minimum score 680. Required is 680 Borrower has 791 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 852359 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852362 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852401 | xxxxxx D A | Closed | xxxxxx | 2025-12-05 04:39 | 2025-12-31 12:15 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation of minor plat change. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/30/2025 <br> Open-Property Title Issue Title to address legal description (PDF 482) that notes parcel xxxxxx which matches parcel for a portion of the parcel sold xxxxxx per Indenture (PDF 131). Original parcel was subdivided and a portion sold. Audit is unable to determine if the two parcels were properly subdivided per local zoning requirements and subject parcel correctly identified. Additional findings may apply. - Due Diligence Vendor-12/05/2025 |  | Resolved-Received confirmation of minor plat change. - Due Diligence Vendor-12/31/2025<br>| Months Reserves exceed minimum required - 138.88 months of verified reserves and 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 807. Required is 680 Borrower has 807 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852401 | xxxxxx D A | Closed | xxxxxx | 2025-12-05 06:06 | 2025-12-30 17:10 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The $35,249.70 deposit on 05/12/2025 was not from the same person making the reoccurring deposits, per the bank statements, which those were excluded. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Counter-Pending source of May deposit confirming income related. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-The $35,249.70 deposit on 05/12/2025 was not from the same person making the reoccurring deposits, per the bank statements, which those were excluded. - Due Diligence Vendor-12/30/2025<br>| Months Reserves exceed minimum required - 138.88 months of verified reserves and 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 807. Required is 680 Borrower has 807 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852401 | xxxxxx D A | Closed | xxxxxx | 2025-12-05 05:35 | 2025-12-30 17:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-The $35,249.70 deposit on 05/12/2025 was not from the same person making the reoccurring deposits, per the bank statements, which those were excluded. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Counter-Received rebuttal. Missing 1. Missing source of $35,249.70 deposit on 05/12/2025 from the same party that deposits $525 monthly into the account 2. Missing LOX for the nature of the deposits to the borrower's account. Finding remains. - Due Diligence Vendor-12/24/2025 <br> Counter-Received narrative. Missing source of $35,249.70 deposit on 05/12/2025 confirming income related. Finding remains. - Due Diligence Vendor-12/17/2025 <br> Open-1. Missing source of $35,249.70 deposit on 05/12/2025 from the same party that deposits $525 monthly into the account. Excluding the deposit would result in DTI that exceeds the guideline maximum. Additional findings may apply since the deposit was included by Audit.<br> 2. Missing LOX for the nature of the deposits to the borrower's account. Although borrower noted to be a real estate agent/developer per 1003, deposits are predominately a lump sum deposit with only a reference number rather than deposits from real estate company or escrow company as typically seen for real estate agents. Excluding the deposits would result in DTI that exceeds the guideline maximum. Additional findings may apply since the deposit was included by Audit.<br> - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-The $35,249.70 deposit on 05/12/2025 was not from the same person making the reoccurring deposits, per the bank statements, which those were excluded. - Due Diligence Vendor-12/30/2025<br>| Months Reserves exceed minimum required - 138.88 months of verified reserves and 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 807. Required is 680 Borrower has 807 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852401 | xxxxxx D A | Closed | xxxxxx | 2025-12-05 05:00 | 2025-12-29 10:45 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received photos, invoice and LOE confirming xxxxxx installed. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/24/2025 <br> Open-Property Issues are identified for the property Missing addition of xxxxxx entry (Photo PDF 98) and 1004D showing xxxxxx added. File included LOX from borrower stating that a xxxxxx was added and a photo of the xxxxxx provided. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/24/2025<br>| Resolved-Received photos, invoice and LOE confirming xxxxxx installed. - Due Diligence Vendor-12/29/2025 | Months Reserves exceed minimum required - 138.88 months of verified reserves and 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 807. Required is 680 Borrower has 807 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852401 | xxxxxx D A | Closed | xxxxxx | 2025-12-05 04:49 | 2025-12-24 09:31 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisal report confirming xxxxxx attributes for subject and clear photos with confirmation xxxxxx. - Due Diligence Vendor-12/24/2025 <br> Counter-Note indicate see attached in upload xxxxxx. No documents attached. - Due Diligence Vendor-12/15/2025 <br> Counter-Received pictures, lox, and invoice. Pictures nor LOX did not address the xxxxxx. - Due Diligence Vendor-12/11/2025 <br> Counter-No document attached. - Due Diligence Vendor-12/10/2025 <br> Open-1. Appraiser to address the suburban location noted on page 1 of appraisal (PDF 86) and Property Retail Report (PDF 137) that shows zoning as xxxxxx residential. Additional findings may apply.<br> 2. Appraiser to address if there is xxxxxx at the top of the xxxxxx. Although not visible in appraiser's photo (PDF 98), photo provided by borrower (PDF 121) shows what appears to be xxxxxx. If xxxxxx and 1004D required. Additional findings may apply. - Due Diligence Vendor-12/05/2025 |  | Resolved-Received revised appraisal report confirming suburban attributes for subject and clear photos with confirmation xxxxxx. - Due Diligence Vendor-12/24/2025 | Months Reserves exceed minimum required - 138.88 months of verified reserves and 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 807. Required is 680 Borrower has 807 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852416 | xxxxxx D A C | Closed | xxxxxx | 2025-12-18 14:31 | 2025-12-19 10:51 | 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-12/19/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-12/18/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798<br>LTV is less than guideline maximum - Required is 90 Borrower has 79.49<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.05 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852416 | xxxxxx D A C | Closed | xxxxxx | 2025-12-18 14:31 | 2025-12-19 10:51 | 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-12/19/2025 <br>Open-The Originator QM Status is not the same as the Final QM Status. - Due Diligence Vendor-12/18/2025 |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798<br>LTV is less than guideline maximum - Required is 90 Borrower has 79.49<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.05 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852416 | xxxxxx D A C | Closed | xxxxxx | 2025-12-16 17:28 | 2025-12-19 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-12/19/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing a copy of the back of each borrower's Visas as required by guidelines - Due Diligence Vendor-12/16/2025 |  | Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798<br>LTV is less than guideline maximum - Required is 90 Borrower has 79.49<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.05 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852416 | xxxxxx D A C | Closed | xxxxxx | 2025-12-16 17:34 | 2025-12-19 10:38 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Vested Owner Signature Requirement met. - Due Diligence Vendor-12/19/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing signed Quit Claim Deed from xxxxxx xxxxxx xxxxxx conveying interest to the borrowers (QCD provided does not show his signature, only our borrowers) - Due Diligence Vendor-12/16/2025 |  | Resolved-Vested Owner Signature Requirement met. - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798<br>LTV is less than guideline maximum - Required is 90 Borrower has 79.49<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.05 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852416 | xxxxxx D A C | Closed | xxxxxx | 2025-12-15 13:41 | 2025-12-19 07:41 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved----Received Initial CD xxxxxx and Revised CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/19/2025 <br> Open------Missing Initial CD, unable to test properly - Due Diligence Vendor-12/15/2025 |  | Resolved----Received Initial CD xxxxxx and Revised CD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798<br>LTV is less than guideline maximum - Required is 90 Borrower has 79.49<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.05 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852423 | xxxxxx D A C | Closed | xxxxxx | 2025-12-19 13:38 | 2026-01-02 07:25 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Escrow Account | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/02/2026 <br> Open-Final CD, 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. <br> - Due Diligence Vendor-12/19/2025 |  | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-01/02/2026 | CLTV is less than guidelines maximum - Required is 90 Borrower has 57.1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852423 | xxxxxx D A C | Closed | xxxxxx | 2025-12-23 10:59 | 2025-12-30 12:59 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-1008 provided. - Due Diligence Vendor-12/30/2025 <br>Counter-Approval provided is not for the subject property. - Due Diligence Vendor-12/29/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-12/23/2025 |  | Resolved-1008 provided. - Due Diligence Vendor-12/30/2025<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 57.1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852423 | xxxxxx D A C | Closed | xxxxxx | 2025-12-29 10:43 | 2025-12-30 12:58 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Inquiry letter provided. - Due Diligence Vendor-12/30/2025 <br> Open-LOX for credit inquiries is missing. \*New\* Please provide an LOE for the inquiries on xxxxxx and xxxxxx - Due Diligence Vendor-12/29/2025 |  | Resolved-Inquiry letter provided. - Due Diligence Vendor-12/30/2025<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 57.1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852423 | xxxxxx D A C | Closed | xxxxxx | 2025-12-20 14:17 | 2025-12-30 08:29 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 8.496% is within allowable threshold of APOR of 6.23% + 3.75% or 9.98%. - Due Diligence Vendor-12/24/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR - Due Diligence Vendor-12/20/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 8.496% is within allowable threshold of APOR of 6.23% + 3.75% or 9.98%. - Due Diligence Vendor-12/24/2025 | CLTV is less than guidelines maximum - Required is 90 Borrower has 57.1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852423 | xxxxxx D A C | Closed | xxxxxx | 2025-12-23 10:42 | 2025-12-29 10:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-12/29/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/23/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-12/29/2025<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 57.1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852453 | xxxxxx C A | Closed | xxxxxx | 2025-11-26 13:42 | 2025-12-16 07:41 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/16/2025 <br> Counter-----Received Settlement statement showing new disbursement dated. Fund due to borrower changed from Final CD in file. Need PCCD showing the new calculations. Finding Remains. - Due Diligence Vendor-12/12/2025 <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. -----Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-11/26/2025 |  | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 Required is 700 Borrower has 728<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 15.96 Required is 45 Borrower has 15.96 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852453 | xxxxxx C A | Closed | xxxxxx | 2025-11-26 13:42 | 2025-12-16 07:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/16/2025 <br> Counter-----Received Settlement statement showing new disbursement dated. Fund due to borrower changed from Final CD in file. Need PCCD showing the new calculations. Finding Remains. - Due Diligence Vendor-12/12/2025 <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 xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. <br> - Due Diligence Vendor-11/26/2025 |  | Resolved-----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 Required is 700 Borrower has 728<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 15.96 Required is 45 Borrower has 15.96 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852481 | xxxxxx C B A | Closed | xxxxxx | 2025-11-26 12:39 | 2025-12-09 11:55 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received wire receipt. - Due Diligence Vendor-12/09/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing proof of $24K gift funds being transferred to escrow/title; will be short reserves if not using these funds. - Due Diligence Vendor-11/26/2025 |  | Resolved-Received wire receipt. - Due Diligence Vendor-12/09/2025<br>| Credit history exceeds minimum required - Borrower has 15+ years of established credit history.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 711 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852481 | xxxxxx C B A | Closed | xxxxxx | 2025-11-26 12:37 | 2025-12-09 11:53 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Received wire - Due Diligence Vendor-12/09/2025 <br>Open-Asset 4 Does Not Meet Guideline Requirements Missing proof of $24K gift funds being transferred to escrow/title; will be short reserves if not using these funds. - Due Diligence Vendor-11/26/2025 |  | Resolved-Received wire - Due Diligence Vendor-12/09/2025<br>| Credit history exceeds minimum required - Borrower has 15+ years of established credit history.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 711 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852481 | xxxxxx C B A | Closed | xxxxxx | 2025-11-24 17:03 | 2025-12-09 08:02 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved------Received PCCD dated xxxxxx changing pay to in section B. Finding Resolved. - Due Diligence Vendor-12/09/2025 <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. -----MERS Registration Fee and Fraud Report in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. - Due Diligence Vendor-11/24/2025 |  | Resolved------Received PCCD dated xxxxxx changing pay to in section B. Finding Resolved. - Due Diligence Vendor-12/09/2025 | Credit history exceeds minimum required - Borrower has 15+ years of established credit history.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 711 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852481 | xxxxxx C B A | Closed | xxxxxx | 2025-11-26 12:30 | 2025-11-26 12:47 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client exception granted to allow lack of 5% down of own funds. Non-material waiver applied with comp factors. Deemed non-material due to spouse gave funds from sale of current primary home of which borrower has owned jointly for 8 years. - Due Diligence Vendor-11/26/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements 5% min down payment not met by borrower, funds coming from sale of current spousal home and gifts - Due Diligence Vendor-11/26/2025 |  | Waived-Client exception granted to allow lack of 5% down of own funds. Non-material waiver applied with comp factors. Deemed non-material due to spouse gave funds from sale of current primary home of which borrower has owned jointly for 8 years. - Due Diligence Vendor-11/26/2025<br>| Credit history exceeds minimum required - Borrower has 15+ years of established credit history.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 711 | FICO 700+<br> Borrower has 15+ years of established credit history. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 852520 | xxxxxx B A | Closed | xxxxxx | 2025-11-21 17:14 | 2025-11-21 17:22 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material Findings - Due Diligence Vendor-11/21/2025 <br> Open-A PPP cannot be applied to an individual or LLC in xxxxxx, only on a C-Corp or S-Corp. Issue finding for Prepayment Penalty Issue if needed. llc is a business - Due Diligence Vendor-11/21/2025 |  | Waived-Client waiver applied to non-material Findings - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 688<br>LTV is less than guideline maximum - Required is 70 Borrower has 63.64 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852521 | xxxxxx D B A | Closed | xxxxxx | 2025-12-09 13:29 | 2025-12-11 09:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received Final 1003 signed by borrower. Finding Resolved. - Due Diligence Vendor-12/11/2025 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-12/09/2025 |  | Resolved-Received Final 1003 signed by borrower. Finding Resolved. - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 2.74<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852521 | xxxxxx D B A | Closed | xxxxxx | 2025-12-04 15:07 | 2025-12-11 09:14 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/11/2025 <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 $2,225.75.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 $2,225.75(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 $2,225.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations xxxxxx - Due Diligence Vendor-12/04/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 2.74<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852521 | xxxxxx D B A | Closed | xxxxxx | 2025-12-04 14:44 | 2025-12-04 15:16 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/04/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 2.74<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 852526 | xxxxxx C A | Closed | xxxxxx | 2025-12-05 16:30 | 2025-12-08 14:59 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-After further review, this is only required on a purchase. - Due Diligence Vendor-12/08/2025 <br>Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. Mortgage is missing the required witness signature(s) - Due Diligence Vendor-12/05/2025 |  | Resolved-After further review, this is only required on a purchase. - Due Diligence Vendor-12/08/2025<br>| Long term residence - Long term residence primary residence for 5.7 years.<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage history. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852527 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852545 | xxxxxx C B A | Closed | xxxxxx | 2025-11-07 17:11 | 2025-11-18 11:59 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk review. Value supported - Due Diligence Vendor-11/14/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-11/07/2025 |  | Resolved-Received Desk review. Value supported - Due Diligence Vendor-11/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 FICO minimum required and the borrower has a 745 FICO.<br>Months Reserves exceed minimum required - 3 months reserves PITIA required and the borrower has 23 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852545 | xxxxxx C B A | Closed | xxxxxx | 2025-11-10 08:27 | 2025-11-14 11:28 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-11/14/2025 <br> Open-PP in xxxxxx with LLC not allowed. - Due Diligence Vendor-11/10/2025 |  | Waived-Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-11/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - 700 FICO minimum required and the borrower has a 745 FICO.<br>Months Reserves exceed minimum required - 3 months reserves PITIA required and the borrower has 23 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852604 | xxxxxx D B A | Closed | xxxxxx | 2025-12-12 18:03 | 2025-12-31 10:42 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Inquiry letter provided. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-inquiry letter<br> - Seller-12/23/2025 <br> Open-LOX for credit inquiries is missing. Missing letter of explanation for credit inquiries. Additional findings may apply. - Due Diligence Vendor-12/12/2025 | Ready for Review-inquiry letter<br> - Seller-12/23/2025<br>| Resolved-Inquiry letter provided. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, Borrower has 742 Required is 700 Borrower has 742<br>LTV is less than guideline maximum - Max allowed is 85%, Borrower has 75% Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Max allowed is 50%, Borrower has 16.57% Required is 50 Borrower has 16.57 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852604 | xxxxxx D B A | Closed | xxxxxx | 2025-12-12 18:03 | 2025-12-31 10:42 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Received PPP Addendum. - Due Diligence Vendor-12/31/2025 <br> Open-Prepayment Penalty is not allowed. The following issues were identified with the prepay penalty on the loan (1) Calculated prepay on CD of $9244 does not match the Note and Deed of Trust of $2,567.45. Prepay calculated per note is for 36 months and charges 2-months interest if a prepayment of 1/3 of the original balance or more is made. (2) The prepay structure on the Note is not an allowable structure per guideline 11.11. (3) An additional PP Addendum to the Note and PP Rider to Mtg were provided with an acceptable structure; however, the addendum and rider have NO loan and/or property identifiers. Lender to confirm the PP Addendum to the Note and PP Rider are for the subject property and supersede those documents already attached. Additional findings may apply. - Due Diligence Vendor-12/12/2025 |  | Resolved-Received PPP Addendum. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, Borrower has 742 Required is 700 Borrower has 742<br>LTV is less than guideline maximum - Max allowed is 85%, Borrower has 75% Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Max allowed is 50%, Borrower has 16.57% Required is 50 Borrower has 16.57 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852604 | xxxxxx D B A | Closed | xxxxxx | 2025-12-12 18:02 | 2025-12-23 13:40 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-The 3 business accounts were omitted from the assets. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-we arent using any funds from the Lottery or ATM accounts for closing<br>- Seller-12/23/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing as required per 3.1: (1) Underwriter asset cash flow analysis to pair with the borrower letter for use of business assets from the xxxxxx "Regular" account xxxxxx. (2) CPA letter for the "Lottery" and "ATM" accounts for business use of assets (3) Additional findings may apply. - Due Diligence Vendor-12/12/2025 | Ready for Review-we arent using any funds from the Lottery or ATM accounts for closing<br>- Seller-12/23/2025<br>| Resolved-The 3 business accounts were omitted from the assets. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, Borrower has 742 Required is 700 Borrower has 742<br>LTV is less than guideline maximum - Max allowed is 85%, Borrower has 75% Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Max allowed is 50%, Borrower has 16.57% Required is 50 Borrower has 16.57 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852604 | xxxxxx D B A | Closed | xxxxxx | 2025-12-12 17:40 | 2025-12-19 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-12/19/2025 <br> Open-Missing letter of explanation for rental agreement reporting on credit since 2021 and reporting through 10/2025 with rents of $1350 per month and letter of explanation for addresses reporting within the last 2 years for the borrower at xxxxxx and xxxxxx reporting on credit and fraud. Auditor included in the DTI. Additional findings may apply. - Due Diligence Vendor-12/12/2025 |  | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, Borrower has 742 Required is 700 Borrower has 742<br>LTV is less than guideline maximum - Max allowed is 85%, Borrower has 75% Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Max allowed is 50%, Borrower has 16.57% Required is 50 Borrower has 16.57 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852604 | xxxxxx D B A | Closed | xxxxxx | 2025-12-12 17:35 | 2025-12-18 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM report. - Due Diligence Vendor-12/18/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Most recent gap/UDM report provided is dated xxxxxx which is >10 days prior to the Note Date. <br> - Due Diligence Vendor-12/12/2025 |  | Resolved-Received UDM report. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, Borrower has 742 Required is 700 Borrower has 742<br>LTV is less than guideline maximum - Max allowed is 85%, Borrower has 75% Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Max allowed is 50%, Borrower has 16.57% Required is 50 Borrower has 16.57 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852604 | xxxxxx D B A | Closed | xxxxxx | 2025-12-12 17:15 | 2025-12-18 11:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-12/18/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing Insurance Carrier Rating Requirements. Additional findings may apply. - Due Diligence Vendor-12/12/2025 |  | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, Borrower has 742 Required is 700 Borrower has 742<br>LTV is less than guideline maximum - Max allowed is 85%, Borrower has 75% Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Max allowed is 50%, Borrower has 16.57% Required is 50 Borrower has 16.57 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852604 | xxxxxx D B A | Closed | xxxxxx | 2025-12-12 17:42 | 2025-12-15 11:29 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-12/15/2025 <br> Open-Borrower's xxxxxx does not meet guides. Exception in file. <br> - Due Diligence Vendor-12/12/2025 |  | Waived-Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, Borrower has 742 Required is 700 Borrower has 742<br>LTV is less than guideline maximum - Max allowed is 85%, Borrower has 75% Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Max allowed is 50%, Borrower has 16.57% Required is 50 Borrower has 16.57 | - LTV 10% or more below max allowed<br> - FICO > 20 points above minimum<br> - Reserves exceeded by 6 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 852614 | xxxxxx C A | Closed | xxxxxx | 2025-10-30 08:27 | 2026-01-08 16:46 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-After further review, the seller ownership percentage is not required. The seller and borrower are not related. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-We respectfully request reconsideration and waiver of this condition.<br>The title company has already confirmed and insured the seller's authority to convey the property, as evidenced by the issued title policy and fully executed purchase contract. Verification of seller ownership percentage is not typically required post-closing when title insurance has validated seller authority and the transaction has closed without dispute.<br>Based on these assurances, we believe this condition is redundant and request a waiver. - Seller-10/31/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Purchase Contract reflects seller is vested in an LLC. Missing proof of ownership percentage for seller to verify purchase contract was signed by all required parties. - Due Diligence Vendor-10/30/2025 | Ready for Review-We respectfully request reconsideration and waiver of this condition.<br>The title company has already confirmed and insured the seller's authority to convey the property, as evidenced by the issued title policy and fully executed purchase contract. Verification of seller ownership percentage is not typically required post-closing when title insurance has validated seller authority and the transaction has closed without dispute.<br>Based on these assurances, we believe this condition is redundant and request a waiver. - Seller-10/31/2025<br>| Resolved-After further review, the seller ownership percentage is not required. The seller and borrower are not related. - Due Diligence Vendor-10/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 704 and minimum allowed is 680.<br>Months Reserves exceed minimum required - Borrower has 60.06 months of reserves and only needs 6 months to qualify. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852615 | xxxxxx B A | Closed | xxxxxx | 2025-10-30 14:32 | 2025-10-30 14:50 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing : Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing : Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-10/30/2025<br>| Qualifying DTI below maximum allowed - Qualifying LTV is 35%, guidelines max DTI 49.99<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit scores 717, guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 852620 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 852677 | xxxxxx C A | Closed | xxxxxx | 2025-12-09 15:12 | 2025-12-12 10:16 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Received Credit Supplement. 0x30x12 - Due Diligence Vendor-12/12/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Mortgage statement in file reflects borrower's first lien payment is past due as of xxxxxx. Per guides, housing payments must be paid current as of 45 days of the loan application date. In addition, the mortgage history required per the guidelines is 0x30x12. Provide proof mortgage was paid on time and is current. Additional conditions may apply. - Due Diligence Vendor-12/09/2025 |  | Resolved-Received Credit Supplement. 0x30x12 - Due Diligence Vendor-12/12/2025<br>| CLTV is less than guidelines maximum - Required is 90. Borrower has 66.17. Required is 90 Borrower has 66.17<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 39.28. Required is 50 Borrower has 39.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 741. Required is 680 Borrower has 741 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852680 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852685 | xxxxxx B A | Closed | xxxxxx | 2025-12-04 10:31 | 2025-12-04 12:54 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-12/04/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-12/04/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.65 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852800 | xxxxxx C A | Closed | xxxxxx | 2025-11-17 14:30 | 2025-12-19 11:08 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Received updated HOI. - Due Diligence Vendor-12/19/2025 <br> Counter-Guideline indicate each HOI must include the following: <br> Borrower names, including all individuals on title<br> • Property address matching the Note and Security Instrument<br> • Mailing address is the same as property address except on second homes and investment properties; then, it <br> should agree with the borrower's home address as shown<br> • Policy number<br> • Insurance carrier name<br> • Insurance agent name and contact information<br> • Effective and expiration dates of the policy<br> • Premium amount<br> • Dwelling coverage amount <br> • Deductible amount<br> • Loss payee clause<br> • Name and date from the issuing agen - Due Diligence Vendor-11/24/2025 <br> Open-Named Insured does not match Borrower(s) Name(s) Insured name should be borrower's individual name and business name - Due Diligence Vendor-11/17/2025 |  | Resolved-Received updated HOI. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852800 | xxxxxx C A | Closed | xxxxxx | 2025-11-17 15:12 | 2025-12-15 11:00 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation from title, free and clear. - Due Diligence Vendor-12/15/2025 <br> Counter-Documentation to support xxxxxx was paid in full. Missing documentation to support free and clear for the primary residence xxxxxx - Due Diligence Vendor-12/08/2025 <br> Counter-Received proof of Free and Clear Primary. Received CD for xxxxxx. Need updated mtg statements for xxxxxx and xxxxxx to show October payment paid as agreed. - Due Diligence Vendor-12/01/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Need title search or property lien report for borrowers current home showing this property is owned free & clear. (Only letter in file indicates no HOI or HOA). Need updated mtg statements for xxxxxx and xxxxxx to show October payment paid as agreed - Due Diligence Vendor-11/17/2025 |  | Resolved-Received confirmation from title, free and clear. - Due Diligence Vendor-12/15/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852888 | xxxxxx D A C | Closed | xxxxxx | 2025-11-25 16:40 | 2025-12-05 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received final 1003 - Due Diligence Vendor-12/05/2025 <br> Open-Please provide final 1003. The loan file only contains the signed initial 1003 dated xxxxxx. The loan file has an initial 1003 (page 676), but it is not signed on the signature page. - Due Diligence Vendor-11/25/2025 |  | Resolved-Received final 1003 - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 712 Required is 660 Borrower has 712<br>Months Reserves exceed minimum required - 3 months reserves is required and the borrower has over 39 months verified. <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.98 Required is 50 Borrower has 31.98 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852888 | xxxxxx D A C | Closed | xxxxxx | 2025-11-19 14:25 | 2025-11-25 16:38 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The housing history finding was provided. - Due Diligence Vendor-11/25/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending housing history - Due Diligence Vendor-11/19/2025 |  | Resolved-The housing history finding was provided. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 712 Required is 660 Borrower has 712<br>Months Reserves exceed minimum required - 3 months reserves is required and the borrower has over 39 months verified. <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.98 Required is 50 Borrower has 31.98 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852888 | xxxxxx D A C | Closed | xxxxxx | 2025-11-17 20:20 | 2025-11-24 10:34 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-11/24/2025 <br>Open-LOX for credit inquiries is missing. A LOE for the inquiries is missing from the loan file. - Due Diligence Vendor-11/18/2025 |  | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 712 Required is 660 Borrower has 712<br>Months Reserves exceed minimum required - 3 months reserves is required and the borrower has over 39 months verified. <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.98 Required is 50 Borrower has 31.98 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852888 | xxxxxx D A C | Closed | xxxxxx | 2025-11-17 20:39 | 2025-11-24 10:32 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Credit Supplement updating mortgage history. - Due Diligence Vendor-11/24/2025 <br>Open-Housing History Does Not Meet Guideline Requirements The borrower owns two investment properties and supplied mortgage statements (page 327,329). However, the mortgages are not on the credit report and mortgage histories were not obtained and are missing from the loan file. - Due Diligence Vendor-11/18/2025 |  | Resolved-Received Credit Supplement updating mortgage history. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 712 Required is 660 Borrower has 712<br>Months Reserves exceed minimum required - 3 months reserves is required and the borrower has over 39 months verified. <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.98 Required is 50 Borrower has 31.98 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852888 | xxxxxx D A C | Closed | xxxxxx | 2025-11-17 14:28 | 2025-11-24 08:13 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/24/2025 <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 inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- COC in file, provide borrower acknowledgment of CD issued xxxxxx. Additional findings may apply upon receipt. - Due Diligence Vendor-11/17/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 712 Required is 660 Borrower has 712<br>Months Reserves exceed minimum required - 3 months reserves is required and the borrower has over 39 months verified. <br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.98 Required is 50 Borrower has 31.98 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852892 | xxxxxx B A | Closed | xxxxxx | 2025-12-11 13:28 | 2025-12-11 16:53 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ------Client waiver applied to non-material Findings. - Due Diligence Vendor-12/11/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. ------Client waiver applied to non-material Findings. - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 776 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 852931 | xxxxxx D A C | Closed | xxxxxx | 2025-12-12 16:25 | 2025-12-29 14:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire is not required on a detached condo. - Due Diligence Vendor-12/29/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing condo questionnaire for subject property. - Due Diligence Vendor-12/12/2025 |  | Resolved-The HOA Questionnaire is not required on a detached condo. - Due Diligence Vendor-12/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 729 which exceeds the minimum of 660 Required is 660 Borrower has 729<br>Qualifying DTI below maximum allowed - DTI of 25.45% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 25.45 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852931 | xxxxxx D A C | Closed | xxxxxx | 2025-12-10 16:09 | 2025-12-19 08:32 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/19/2025 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is xxxxxx. The disclosed total of payments of xxxxxx is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. ----- Total of payments is understated by $1,191.25 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $1,191.25 or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery.<br> - Due Diligence Vendor-12/10/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 729 which exceeds the minimum of 660 Required is 660 Borrower has 729<br>Qualifying DTI below maximum allowed - DTI of 25.45% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 25.45 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852931 | xxxxxx D A C | Closed | xxxxxx | 2025-12-11 07:15 | 2025-12-18 11:56 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Condo Rider. - Due Diligence Vendor-12/18/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing condo rider. - Due Diligence Vendor-12/11/2025 |  | Resolved-Received Deed of Trust with Condo Rider. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 729 which exceeds the minimum of 660 Required is 660 Borrower has 729<br>Qualifying DTI below maximum allowed - DTI of 25.45% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 25.45 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852952 | xxxxxx D A C | Closed | xxxxxx | 2025-12-05 14:32 | 2025-12-29 14:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-12/17/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing from loan file - Due Diligence Vendor-12/09/2025 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-12/17/2025<br>| Months Reserves exceed minimum required - Reserves = 49 months – Required Reserves = 9 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.96 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852952 | xxxxxx D A C | Closed | xxxxxx | 2025-12-05 14:32 | 2025-12-29 14:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-After further review, a loan agreement is not required. - Due Diligence Vendor-12/29/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. not provided - Due Diligence Vendor-12/05/2025 |  | Resolved-After further review, a loan agreement is not required. - Due Diligence Vendor-12/29/2025<br>| Months Reserves exceed minimum required - Reserves = 49 months – Required Reserves = 9 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.96 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852952 | xxxxxx D A C | Closed | xxxxxx | 2025-12-05 14:53 | 2025-12-24 09:49 | Resolved | 1 - Information C A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-Received 2nd appraisal 1004. - Due Diligence Vendor-12/24/2025 <br> Counter-Review confirms receipt of 1 appraisal dated xxxxxx by appraiser xxxxxx. Missing 2nd full appraisal - Due Diligence Vendor-12/17/2025 <br> Counter-Received duplicate appraisal dated xxxxxx-missing 2nd full appraisal - Due Diligence Vendor-12/12/2025 <br> Open-Two or more full valuation products were not provided.' 1004 dated xxxxxx provided. Missing second appraisal - Due Diligence Vendor-12/09/2025 |  | Resolved-Received 2nd appraisal 1004. - Due Diligence Vendor-12/24/2025<br>| Months Reserves exceed minimum required - Reserves = 49 months – Required Reserves = 9 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.96 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852952 | xxxxxx D A C | Closed | xxxxxx | 2025-12-09 15:45 | 2025-12-17 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter confirming over 2 years. - Due Diligence Vendor-12/17/2025 <br>Open-Borrower 1 CPA Letter Missing CPA did not verify length of S/E. Proof of 2 years S/E is needed. subject to additional conditions - Due Diligence Vendor-12/09/2025 |  | Resolved-Received CPA letter confirming over 2 years. - Due Diligence Vendor-12/17/2025<br>| Months Reserves exceed minimum required - Reserves = 49 months – Required Reserves = 9 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.96 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852953 | xxxxxx C A | Closed | xxxxxx | 2025-12-02 13:54 | 2025-12-17 07:26 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Received COC for decrease in lender credit. Finding Resolved. - Due Diligence Vendor-12/17/2025 <br> Counter-----The lender credit on xxxxxx decreased to 0.00 on Final CD xxxxxx without a valid COC. ---- Lender credit decreased from $1,177.13 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,177.13, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. Finding Remains. - Due Diligence Vendor-12/11/2025 <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 ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,177.13). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $1,177.13 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,177.13, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-12/02/2025 |  | Resolved------Received COC for decrease in lender credit. Finding Resolved. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.3 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852983 | xxxxxx C A | Closed | xxxxxx | 2025-12-04 04:27 | 2025-12-11 11:15 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-12/11/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description noted as attached. Additional findings may apply. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 30.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852983 | xxxxxx C A | Closed | xxxxxx | 2025-12-04 05:01 | 2025-12-11 11:14 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Upon further review, the wires in question are are xxxxxx for xxxxxx.<br> - Due Diligence Vendor-12/11/2025 <br> Open-Appraiser to address if the xxxxxx photo (PDF 421) are xxxxxx. xxxxxx and 1004D provided. Additional findings may apply. - Due Diligence Vendor-12/04/2025 |  | Resolved-Upon further review, the wires in question are are xxxxxx for xxxxxx.<br> - Due Diligence Vendor-12/11/2025 | Qualifying DTI below maximum allowed - Required is 43 Borrower has 30.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852983 | xxxxxx C A | Closed | xxxxxx | 2025-12-04 05:06 | 2025-12-11 11:10 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, xxxxxx has a xxxxxx. - Due Diligence Vendor-12/11/2025 <br> Open-Property Issues are identified for the property Missing additional xxxxxx on back steps (PDF 416) and 1004D showing completed. the lack of xxxxxx is considered a safety issue. Additional findings may apply. - Due Diligence Vendor-12/04/2025 |  | Resolved-Upon further review, xxxxxx has a xxxxxx. - Due Diligence Vendor-12/11/2025 | Qualifying DTI below maximum allowed - Required is 43 Borrower has 30.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852986 | xxxxxx D B A | Closed | xxxxxx | 2025-12-16 12:35 | 2025-12-30 14:50 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-The original contract had a xxxxxx seller credit for closing costs (signed on xxxxxx). A repair addendum was provided (signed on xxxxxx) adding the additional xxxxxx. - Due Diligence Vendor-12/30/2025 <br> Counter-Addendum for xxxxxx Seller contribution provided, however the actual contribution is xxxxxx Finding remains. - Due Diligence Vendor-12/30/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. The purchase contract only identifies xxxxxx in contributions. Seller contributed xxxxxx per the CD. The addendum to the purchase contract reflecting xxxxxx in contributions is missing. - Due Diligence Vendor-12/16/2025 |  | Resolved-The original contract had a xxxxxx seller credit for closing costs (signed on xxxxxx). A repair addendum was provided (signed on xxxxxx) adding the additional xxxxxx. - Due Diligence Vendor-12/30/2025 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 38.46. Required is 50 Borrower has 38.46<br>LTV is less than guideline maximum - Required is 90. Borrower has 85. Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 768. Required is 660 Borrower has 768 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852986 | xxxxxx D B A | Closed | xxxxxx | 2025-12-16 08:48 | 2025-12-30 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-12/30/2025 <br>Open-Borrower 1 Paystubs Missing The borrower's paystubs were not identified in the file. Guidelines require the most recent paystubs covering 30 days. - Due Diligence Vendor-12/16/2025 |  | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 38.46. Required is 50 Borrower has 38.46<br>LTV is less than guideline maximum - Required is 90. Borrower has 85. Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 768. Required is 660 Borrower has 768 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852986 | xxxxxx D B A | Closed | xxxxxx | 2025-12-16 08:19 | 2025-12-19 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received Hazard Insurance. - Due Diligence Vendor-12/19/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided The full homeowners insurance policy was not identified in the file. A letter from the issuer identifying the coverage and the replacement cost was present. Missing effective dates. - Due Diligence Vendor-12/16/2025 |  | Resolved-Received Hazard Insurance. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 38.46. Required is 50 Borrower has 38.46<br>LTV is less than guideline maximum - Required is 90. Borrower has 85. Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 768. Required is 660 Borrower has 768 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 852986 | xxxxxx D B A | Closed | xxxxxx | 2025-12-11 16:03 | 2025-12-12 09:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ----- Client waiver applied to non-material Findings - Due Diligence Vendor-12/11/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Client waiver applied to non-material Findings - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 38.46. Required is 50 Borrower has 38.46<br>LTV is less than guideline maximum - Required is 90. Borrower has 85. Required is 90 Borrower has 85<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 768. Required is 660 Borrower has 768 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853095 | xxxxxx C B A | Closed | xxxxxx | 2025-12-16 13:26 | 2025-12-29 15:11 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC. - Due Diligence Vendor-12/29/2025 <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 ($10,650.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($17,040.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Lender credit decreased from $9,940 to $3,550 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $6,390, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-12/16/2025 |  | Resolved-Received COC. - Due Diligence Vendor-12/29/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.74<br>On time mortgage history exceeds guideline requirement - 0x60x12, actual 0x30x55 and 0x30x22 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853095 | xxxxxx C B A | Closed | xxxxxx | 2025-12-16 14:15 | 2025-12-22 16:34 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-12/16/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-12/16/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.74<br>On time mortgage history exceeds guideline requirement - 0x60x12, actual 0x30x55 and 0x30x22 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 853102 | xxxxxx D B A | Closed | xxxxxx | 2025-12-05 15:26 | 2025-12-16 11:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received property profile confirming free and clear. Only re taxes as no HOI or HOA. - Due Diligence Vendor-12/16/2025 <br>Open-Missing proof of taxes for departure residence. - Due Diligence Vendor-12/05/2025 |  | Resolved-Received property profile confirming free and clear. Only re taxes as no HOI or HOA. - Due Diligence Vendor-12/16/2025<br>| Qualifying DTI below maximum allowed - FICO LOWER THEN GUEDS ALLOW. Required is 50 Borrower has 24.61<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 813 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853102 | xxxxxx D B A | Closed | xxxxxx | 2025-12-05 15:08 | 2025-12-12 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 2 Missing | Resolved-Received wire receipt. - Due Diligence Vendor-12/12/2025 <br>Open-Asset 2 Missing VERIFY RECIEPT OF GIFT FUNDS by title/escrow from donor. - Due Diligence Vendor-12/05/2025 |  | Resolved-Received wire receipt. - Due Diligence Vendor-12/12/2025<br>| Qualifying DTI below maximum allowed - FICO LOWER THEN GUEDS ALLOW. Required is 50 Borrower has 24.61<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 813 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853102 | xxxxxx D B A | Closed | xxxxxx | 2025-12-09 15:13 | 2025-12-09 15:40 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Client exception granted to allow EAD card dating less than 12 months prior. Non-material waiver applied with comp factors. Deemed non-material due to EAD card valid for the past 8 months - Due Diligence Vendor-12/09/2025 <br> Open-Borrower Citizenship Documentation Is Missing Borrower citizenship docs only date back to xxxxxx to current, prior EAD card is lost. - Due Diligence Vendor-12/09/2025 |  | Waived-Client exception granted to allow EAD card dating less than 12 months prior. Non-material waiver applied with comp factors. Deemed non-material due to EAD card valid for the past 8 months - Due Diligence Vendor-12/09/2025<br>| Qualifying DTI below maximum allowed - FICO LOWER THEN GUEDS ALLOW. Required is 50 Borrower has 24.61<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 813 | Credit score 30+ over min<br> DTI < = 40% | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853124 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853132 | xxxxxx C A | Closed | xxxxxx | 2025-11-17 10:12 | 2025-11-25 13:25 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received corrected Note reflecting IO terms. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. - Seller-11/24/2025 <br>Open-There are Issues Present on the Note that must be addressed. -----Note is Fixed, terms are I/O. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| Resolved-Received corrected Note reflecting IO terms. - Due Diligence Vendor-11/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.085 Required is 0 Borrower has 1.085<br>LTV is less than guideline maximum - Required is 75 Borrower has 64.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 726 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853132 | xxxxxx C A | Closed | xxxxxx | 2025-11-17 10:04 | 2025-11-25 13:24 | Resolved | 1 - Information C A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-Received correct Note reflecting IO terms. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. - Seller-11/24/2025 <br>Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds $0.01) -----Note is Fixed, terms are I/O. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| Resolved-Received correct Note reflecting IO terms. - Due Diligence Vendor-11/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.085 Required is 0 Borrower has 1.085<br>LTV is less than guideline maximum - Required is 75 Borrower has 64.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 726 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853132 | xxxxxx C A | Closed | xxxxxx | 2025-11-17 15:02 | 2025-11-25 13:22 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-schedule A - Seller-11/24/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description<br> - Due Diligence Vendor-11/17/2025 | Ready for Review-schedule A - Seller-11/24/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/25/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.085 Required is 0 Borrower has 1.085<br>LTV is less than guideline maximum - Required is 75 Borrower has 64.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 726 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853133 | xxxxxx C A | Closed | xxxxxx | 2025-11-26 12:30 | 2025-12-08 10:36 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-After further review, the appraiser states the xxxxxx and there are no health or safety issues. - Due Diligence Vendor-12/08/2025 <br> Open-Property Issues are identified for the property Possilbe health & safety concern: Appraiser to confirm no xxxxxx. - Due Diligence Vendor-11/26/2025 |  | Resolved-After further review, the appraiser states xxxxxx and there are no health or safety issues. - Due Diligence Vendor-12/08/2025 | LTV is less than guideline maximum - Max is 90%, Borrower has 80%. Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Max is 50%, Borrower has 25.21%. Required is 50 Borrower has 25.21<br>Qualifying FICO score is at least 20 points above minimum for program - Min required is 680, Borrower has 785. Required is 680 Borrower has 785 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853143 | xxxxxx D A | Closed | xxxxxx | 2025-12-09 18:27 | 2025-12-12 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Received Google verification of business phone number - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/11/2025 <br>Open-Per guides business phone number must be verifiable via Google Search, 411.com or internet for self-employed borrowers. The file does not contain evidence the business phone number was verified. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Resolved-Received Google verification of business phone number - Due Diligence Vendor-12/12/2025<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 772 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853145 | xxxxxx D B A | Closed | xxxxxx | 2025-11-17 16:36 | 2025-12-03 16:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Incomplete | Resolved-Received Borrower 1 Gap Credit Report completed with-in 10 days of Note. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. xxxxxx attached - Seller-12/01/2025 <br>Open-Borrower 1 Gap Credit Report is Partially Present. Dated after closing. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-12/01/2025<br>| Resolved-Received Borrower 1 Gap Credit Report completed with-in 10 days of Note. - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.21 Required is 49.99 Borrower has 42.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853145 | xxxxxx D B A | Closed | xxxxxx | 2025-11-14 15:44 | 2025-11-14 15:44 | 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-11/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material finding. - Due Diligence Vendor-11/14/2025<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.21 Required is 49.99 Borrower has 42.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 853146 | xxxxxx C A | Closed | xxxxxx | 2025-12-04 07:58 | 2025-12-12 10:06 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received LOE. Loan never closed, decided on subject loan - Due Diligence Vendor-12/12/2025 <br> Counter-Received Note Lien established xxxxxx. File include escrow instructions for a new lien IAO xxxxxx dated xxxxxx which is consistent with xxxxxx credit inquiry. If mortgage did not close, provide LOX. Additional conditions may apply. - Due Diligence Vendor-12/09/2025 <br> Open-Copy of first lien note is required per the guidelines. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received LOE. Loan never closed, decided on subject loan - Due Diligence Vendor-12/12/2025<br>| Credit history exceeds minimum required - Guidelines require a minimum of 12 months of credit history 0x30. Borrower has 52 months of credit history.<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%. Borrower's DTI is 28.68%. Required is 50 Borrower has 28.68 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853146 | xxxxxx C A | Closed | xxxxxx | 2025-12-04 07:56 | 2025-12-12 10:06 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received LOE. Loan never closed, decided on subject loan - Due Diligence Vendor-12/12/2025 <br> Counter-Received mortgage statement and note for Lien established xxxxxx. File include escrow instructions for a new lien IAO xxxxxx dated xxxxxx which is consistent with xxxxxx credit inquiry. If mortgage did not close, provide LOX. Additional conditions may apply. - Due Diligence Vendor-12/09/2025 <br> Open-Property Title Issue Refinance escrow instructions dated xxxxxx on page 380 indicate a new first lien for xxxxxx. Gap report dated xxxxxx reflects mortgage paid through xxxxxx. If mortgage did not close, provide LOX. Additional conditions may apply. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received LOE. Loan never closed, decided on subject loan - Due Diligence Vendor-12/12/2025<br>| Credit history exceeds minimum required - Guidelines require a minimum of 12 months of credit history 0x30. Borrower has 52 months of credit history.<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%. Borrower's DTI is 28.68%. Required is 50 Borrower has 28.68 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853146 | xxxxxx C A | Closed | xxxxxx | 2025-12-04 08:33 | 2025-12-09 11:11 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received xxxxxx certification - Due Diligence Vendor-12/09/2025 <br> Open-Income and Employment Do Not Meet Guidelines Missing xxxxxx certification from xxxxxx. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received xxxxxx certification - Due Diligence Vendor-12/09/2025 | Credit history exceeds minimum required - Guidelines require a minimum of 12 months of credit history 0x30. Borrower has 52 months of credit history.<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%. Borrower's DTI is 28.68%. Required is 50 Borrower has 28.68 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853146 | xxxxxx C A | Closed | xxxxxx | 2025-12-04 14:02 | 2025-12-09 11:09 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received mortgage statement confirming next due xxxxxx. - Due Diligence Vendor-12/09/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide proof of first lien mortgage payment for October and November. Credit report reflects last paid 09/2025. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received mortgage statement confirming next due xxxxxx. - Due Diligence Vendor-12/09/2025 | Credit history exceeds minimum required - Guidelines require a minimum of 12 months of credit history 0x30. Borrower has 52 months of credit history.<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%. Borrower's DTI is 28.68%. Required is 50 Borrower has 28.68 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853146 | xxxxxx C A | Closed | xxxxxx | 2025-12-04 08:51 | 2025-12-09 11:05 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-12/09/2025 <br>Open-LOX for credit inquiries is missing. Credit inquiries listed on the report within 90 days of the report date must be addressed by the borrower with a letter of explanation. If no credit was extended, borrower must state the purpose of the inquiry. If new credit was extended, borrowers must provide documentation on the current balance and payment. New payment terms are to be included in the DTI ratio. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-12/09/2025<br>| Credit history exceeds minimum required - Guidelines require a minimum of 12 months of credit history 0x30. Borrower has 52 months of credit history.<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%. Borrower's DTI is 28.68%. Required is 50 Borrower has 28.68 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853147 | xxxxxx C A | Closed | xxxxxx | 2025-11-24 19:11 | 2025-12-01 16:24 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received escrow instructions confirming vesting and borrower search completed.. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. Please refer to the escrow instruction. - Seller-11/26/2025 <br>Open-Property Title Issue Missing vesting in the borrower's name - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Please refer to the escrow instruction. - Seller-11/26/2025<br>| Resolved-Received escrow instructions confirming vesting and borrower search completed.. - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 739 Required is 680 Borrower has 739<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.87 Required is 49.99 Borrower has 32.87 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853147 | xxxxxx C A | Closed | xxxxxx | 2025-11-24 19:11 | 2025-12-01 16:24 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title coverage. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 739 Required is 680 Borrower has 739<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 32.87 Required is 49.99 Borrower has 32.87 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853149 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-18 17:59 | 2025-12-23 16:47 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received corrected appraisal reflecting HOA amount. - Due Diligence Vendor-12/23/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Lender to provide HOA documentation to verify the monthly/yearly dues/assessments. - Due Diligence Vendor-12/18/2025 |  | Resolved-Received corrected appraisal reflecting HOA amount. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 689. Per guide, a minimum score required 660. Required is 660 Borrower has 689<br>Qualifying DTI below maximum allowed - Borr DTI 38.30%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 38.3 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853149 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-18 17:50 | 2025-12-23 16:44 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received corrected appraisal reflecting PUD. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. Appraisal attached - Seller-12/19/2025 <br>Open-Mortgage contains a PUD rider and Final CD reflects HOA initiation fee and HOA dues were paid at closing. However, the appraisal does not reflect the subject is located in a PUD and does not indicate any HOA dues. Appraiser to address on appraisal. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. Appraisal attached - Seller-12/19/2025<br>| Resolved-Received corrected appraisal reflecting PUD. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 689. Per guide, a minimum score required 660. Required is 660 Borrower has 689<br>Qualifying DTI below maximum allowed - Borr DTI 38.30%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 38.3 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853149 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-18 17:55 | 2025-12-23 16:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received corrected appraisal reflecting PUD. - Due Diligence Vendor-12/23/2025 <br> Ready for Review- Please waive the condition as we are not required to provide questionnaire for PUD. - Seller-12/19/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Mortgage contains a PUD rider and Final CD reflects HOA initiation fee and HOA dues were paid at closing. Appraisal and Purchase Contract do not provide terms of the HOA dues/assessments. Lender to provide HOA documentation to verify the monthly/yearly dues/assessments. Audit utilized the lender's monthly amount provded on the 1008. Additional conditions may apply, pending review. - Due Diligence Vendor-12/18/2025 | Ready for Review- Please waive the condition as we are not required to provide questionnaire for PUD. - Seller-12/19/2025<br>| Resolved-Received corrected appraisal reflecting PUD. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 689. Per guide, a minimum score required 660. Required is 660 Borrower has 689<br>Qualifying DTI below maximum allowed - Borr DTI 38.30%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 38.3 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853149 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-18 16:20 | 2025-12-22 15:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. xxxxxx attached - Seller-12/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-12/19/2025<br>| Resolved-Received Gap report. - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 689. Per guide, a minimum score required 660. Required is 660 Borrower has 689<br>Qualifying DTI below maximum allowed - Borr DTI 38.30%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 38.3 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853149 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-15 14:51 | 2025-12-22 07:26 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received attestation from lender that fee is lender paid broker fee. Finding resolved. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-This is lender compensated not borrower paid please waive - Seller-12/19/2025 <br> Open-Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-12/15/2025 | Ready for Review-This is lender compensated not borrower paid please waive - Seller-12/19/2025<br>| Resolved-Received attestation from lender that fee is lender paid broker fee. Finding resolved. - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 689. Per guide, a minimum score required 660. Required is 660 Borrower has 689<br>Qualifying DTI below maximum allowed - Borr DTI 38.30%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 38.3 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853149 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-15 14:13 | 2025-12-15 14:54 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/15/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 689. Per guide, a minimum score required 660. Required is 660 Borrower has 689<br>Qualifying DTI below maximum allowed - Borr DTI 38.30%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 38.3 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 853150 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853152 | xxxxxx D A | Closed | xxxxxx | 2025-12-03 14:02 | 2025-12-17 09:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | ARM Disclosure is Missing | Resolved------Received CHARM booklet, xxxxxx. Finding resolved. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-ARM Disclosure is Missing -----Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statue of Limitations - 3 years, expiration date xxxxxx.<br> - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved------Received CHARM booklet, xxxxxx. Finding resolved. - Due Diligence Vendor-12/17/2025 | Months Reserves exceed minimum required - 4 months reserves required - borrower has 9.05 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 771 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853152 | xxxxxx D A | Closed | xxxxxx | 2025-12-03 14:02 | 2025-12-17 09:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | CHARM Booklet is Missing | Resolved------Received CHARM booklet, xxxxxx. Finding resolved. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-CHARM Booklet is Missing -----Missing ARM/CHARM disclosure within 3 days of application or within 3 days of change in product from fixed to ARM. Statue of Limitations - 3 years, expiration date xxxxxx.<br> - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved------Received CHARM booklet, xxxxxx. Finding resolved. - Due Diligence Vendor-12/17/2025 | Months Reserves exceed minimum required - 4 months reserves required - borrower has 9.05 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 771 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853153 | xxxxxx C B A | Closed | xxxxxx | 2025-11-25 11:32 | 2025-12-05 14:46 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received CDA. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. PLease see attached - Seller-12/04/2025 <br>Open-CU/LCA provided in file does not match appraisal. Value is incorrect. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. PLease see attached - Seller-12/04/2025<br>| Resolved-Received CDA. - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802<br>Months Reserves exceed minimum required - Qualifying Total Reserves 18 months is higher than 4 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853153 | xxxxxx C B A | Closed | xxxxxx | 2025-11-21 15:50 | 2025-12-05 08:09 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-12/04/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. PCCD attached - Seller-12/04/2025<br>| Resolved------Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-12/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802<br>Months Reserves exceed minimum required - Qualifying Total Reserves 18 months is higher than 4 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853153 | xxxxxx C B A | Closed | xxxxxx | 2025-11-21 14:34 | 2025-11-21 16:23 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/12/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802<br>Months Reserves exceed minimum required - Qualifying Total Reserves 18 months is higher than 4 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 853153 | xxxxxx C B A | Closed | xxxxxx | 2025-11-21 14:34 | 2025-11-21 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 finding. - Due Diligence Vendor-11/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material finding. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802<br>Months Reserves exceed minimum required - Qualifying Total Reserves 18 months is higher than 4 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 853155 | xxxxxx D A | Closed | xxxxxx | 2025-11-19 07:38 | 2025-12-10 07:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received SPL which indicates provider is not an affiliate of lender, finding deemed non-material. originator waiver applied to non-material findings - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. WSSPL attached - Seller-12/01/2025 <br> Open-Required Affiliated Business Disclosure Missing ----- Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. WSSPL attached - Seller-12/01/2025<br>| Resolved-Received SPL which indicates provider is not an affiliate of lender, finding deemed non-material. originator waiver applied to non-material findings - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - Maximum DTI is 49.99% - actual DTI is 38.78%. Required is 49.99 Borrower has 38.78<br>Months Reserves exceed minimum required - 0 months reserves required - actual months reserves are 23.96 months. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853155 | xxxxxx D A | Closed | xxxxxx | 2025-11-19 07:47 | 2025-12-10 07:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-12/10/2025 <br> Ready for Review------Received executed ROR. Finding resolved. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. RTC attached - Seller-12/09/2025 <br> Open-Right of Rescission is Partially Provided ----- ROR is not signed by borrower. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. RTC attached - Seller-12/09/2025<br>| Resolved-Right of Rescission is Provided - Due Diligence Vendor-12/10/2025<br>| Qualifying DTI below maximum allowed - Maximum DTI is 49.99% - actual DTI is 38.78%. Required is 49.99 Borrower has 38.78<br>Months Reserves exceed minimum required - 0 months reserves required - actual months reserves are 23.96 months. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853160 | xxxxxx B A | Closed | xxxxxx | 2025-11-25 08:03 | 2025-11-25 08:03 | 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-11/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing -------Originator waiver applied to non-material findings - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 16.93<br>Months Reserves exceed minimum required - 30+ mos reserves exceeds 4 mos min per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 853161 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853163 | xxxxxx C B A | Closed | xxxxxx | 2025-11-20 07:17 | 2025-11-26 07:39 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received Change of Circumstance for increase in fees. Finding Resolved. - Due Diligence Vendor-11/26/2025 <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 $100.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $100.00 Loan Origination Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $100.00 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-11/20/2025 |  | Resolved------Received Change of Circumstance for increase in fees. Finding Resolved. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 739 Required is 680 Borrower has 739<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.18 Required is 50 Borrower has 33.18<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 64.41 Required is 75 Borrower has 64.41 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853163 | xxxxxx C B A | Closed | xxxxxx | 2025-11-21 09:46 | 2025-11-21 09:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client wavier applied to non-material finding. - Due Diligence Vendor-11/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client wavier applied to non-material finding. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 739 Required is 680 Borrower has 739<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.18 Required is 50 Borrower has 33.18<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 64.41 Required is 75 Borrower has 64.41 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 853213 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853265 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853273 | xxxxxx C A | Closed | xxxxxx | 2025-11-14 18:56 | 2025-11-25 10:53 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received confirmation of 3 yr prepay and addendum incorporated in Default Interest Addendum. - Due Diligence Vendor-11/25/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '36' Diligence value '0'. The Prepayment term per tape is 36 months but note reflects No Prepayment Penalty and no Prepayment Penalty Rider to Deed of Trust. Additional findings may apply. - Due Diligence Vendor-11/14/2025 |  | Resolved-Received confirmation of 3 yr prepay and addendum incorporated in Default Interest Addendum. - Due Diligence Vendor-11/25/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 44.31 Required is 75 Borrower has 44.31<br>Months Reserves exceed minimum required - Reserves = 15 months – Required Reserves = 12 Months |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853278 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853299 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853300 | xxxxxx D B C A | Closed | xxxxxx | 2025-12-02 15:55 | 2025-12-18 07:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Collateral Protection Notice is Missing | Resolved------Received Collateral Protection Notice. Finding Resolved. - Due Diligence Vendor-12/18/2025 <br>Counter------Received EOI. Missing evidence of Hazard Insurance Disclosure, this disclosure is required to be provided to borrower, advising them of the right to choose their own provider. - Due Diligence Vendor-12/15/2025 <br>Open-Collateral Protection Notice is Missing -----Missing Hazard Insurance Authorization and Requirements disclosure - Due Diligence Vendor-12/02/2025 |  | Resolved------Received Collateral Protection Notice. Finding Resolved. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 772<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.65<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853300 | xxxxxx D B C A | Closed | xxxxxx | 2025-12-02 16:27 | 2025-12-12 07:35 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-12/12/2025 <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 ($421.88) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,109.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $2,109 to $421.88 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,687.12, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-12/02/2025 |  | Resolved------Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 772<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.65<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853300 | xxxxxx D B C A | Closed | xxxxxx | 2025-12-04 08:42 | 2025-12-04 17:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Client exception granted to allow exception for rent paid in cash. Non-material waiver applied with comp factors. Deemed non-material - Due Diligence Vendor-12/04/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Client exception granted to allow exception for rent paid in cash. Non-material waiver applied with comp factors. Deemed non-material<br> - Due Diligence Vendor-12/04/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Client exception granted to allow exception for rent paid in cash. Non-material waiver applied with comp factors. Deemed non-material - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 772<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.65<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 | Credit Score 30+ points > minimum required<br> DTI <= 40% which is below requirement in guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853322 | xxxxxx C B A | Closed | xxxxxx | 2025-12-03 18:07 | 2025-12-05 14:01 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received Verification of the business phone number via Google Search, 411.com or intern - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Open-Missing - Business phone number must be verifiable via Google Search, 411.com or internet. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Received Verification of the business phone number via Google Search, 411.com or intern - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>LTV is less than guideline maximum - Required is 70 Borrower has 58.82<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.24 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853322 | xxxxxx C B A | Closed | xxxxxx | 2025-11-27 08:59 | 2025-11-27 08:59 | 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-11/27/2025 |  | Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>LTV is less than guideline maximum - Required is 70 Borrower has 58.82<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 37.24 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 853346 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853349 | xxxxxx D B A | Closed | xxxxxx | 2025-12-10 10:29 | 2025-12-11 20:15 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Client waiver to downgrade to B with compensating factors. Additionally, subject credit report was pulled 26 days prior to closing and client allows a gap credit report within 30 days prior to closing without exception. - Due Diligence Vendor-12/12/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/12/2025 |  | Waived-Client waiver to downgrade to B with compensating factors. Additionally, subject credit report was pulled 26 days prior to closing and client allows a gap credit report within 30 days prior to closing without exception. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 772 FICO, minimum required 660 Required is 660 Borrower has 712<br>Qualifying DTI below maximum allowed - 40.37% DTI, max allowed is 50% Required is 50 Borrower has 40.37 | DTI nearly 10% below maximum of 50%<br> FICO 52 points above minimum of 660<br> FTHB has 0x30x24 months rental history with only 75% payment shock and over $12,000 residual income per month.<br>| QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853365 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853374 | xxxxxx C B A | Closed | xxxxxx | 2025-12-11 16:49 | 2025-12-19 08:43 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/19/2025 <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 $30.05.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). -----Lender credit on final CD, $29.95 for increase in Closing Costs above legal limit. Finding resolved. -----Additional $.10 is due to rounding. - Due Diligence Vendor-12/11/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 780. Required is 660 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 39.9. Required is 50 Borrower has 39.9 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 853374 | xxxxxx C B A | Closed | xxxxxx | 2025-12-16 11:16 | 2025-12-18 12:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Lender exception in file for less than 10%. Non-material with compensating factors. - Due Diligence Vendor-12/18/2025 <br>Open-Non-Warrantable condo: Budget: An annual budget with less than 10% allocated for reserves is permitted if there is documentation to support that the developer is contributing reserves from each unit that is sold. Budget is < 10% and there are no future developer contributions. Lender exception in file for less than 10%. Non-material with compensating factors. - Due Diligence Vendor-12/16/2025 |  | Waived-Lender exception in file for less than 10%. Non-material with compensating factors. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 780. Required is 660 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 39.9. Required is 50 Borrower has 39.9 | Low loan amount<br> No critical repairs, special assessments, or litigation in the project<br> Budget is balanced<br> HOA does not show any other items of concern | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853386 | xxxxxx D A | Closed | xxxxxx | 2025-11-15 07:33 | 2025-11-20 11:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Certification of Business Purpose. - Due Diligence Vendor-11/20/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing the required business purpose affidavit. - Due Diligence Vendor-11/15/2025 |  | Resolved-Received Certification of Business Purpose. - Due Diligence Vendor-11/20/2025<br>| Long term residence - Per 1003 borrower has been in primary for 3.<br>Months Reserves exceed minimum required - Reserves of 13.78 months; guideline 12 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853386 | xxxxxx D A | Closed | xxxxxx | 2025-11-15 16:06 | 2025-11-18 16:26 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-ACH form provided. - Due Diligence Vendor-11/18/2025 <br>Open-Foreign National but the ACH form is Missing from file. Missing Foreign National but the ACH form. - Due Diligence Vendor-11/15/2025 |  | Resolved-ACH form provided. - Due Diligence Vendor-11/18/2025<br>| Long term residence - Per 1003 borrower has been in primary for 3.<br>Months Reserves exceed minimum required - Reserves of 13.78 months; guideline 12 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853386 | xxxxxx D A | Closed | xxxxxx | 2025-11-17 11:24 | 2025-11-18 16:25 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-After further review, 2 months statements have been provided. - Due Diligence Vendor-11/18/2025 <br>Open-Asset 1 Less Than 2 Months Verified - Due Diligence Vendor-11/17/2025 |  | Resolved-After further review, 2 months statements have been provided. - Due Diligence Vendor-11/18/2025<br>| Long term residence - Per 1003 borrower has been in primary for 3.<br>Months Reserves exceed minimum required - Reserves of 13.78 months; guideline 12 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853386 | xxxxxx D A | Closed | xxxxxx | 2025-11-17 11:24 | 2025-11-18 16:25 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-2 months provided. - Due Diligence Vendor-11/18/2025 <br>Open-Asset 2 Less Than 2 Months Verified - Due Diligence Vendor-11/17/2025 |  | Resolved-2 months provided. - Due Diligence Vendor-11/18/2025<br>| Long term residence - Per 1003 borrower has been in primary for 3.<br>Months Reserves exceed minimum required - Reserves of 13.78 months; guideline 12 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853387 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853389 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853441 | xxxxxx C B A | Closed | xxxxxx | 2025-12-05 13:18 | 2025-12-09 15:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-12/09/2025 <br>Open-Housing History Does Not Meet Guideline Requirements- Borrower Lives rent free.<br> Lender Exception for accepting living rent free at 2nd home purchase. - Due Diligence Vendor-12/05/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 707<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.19 | DTI Less than 36%<br> Self employed for>5 yrs. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853442 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853480 | xxxxxx D A | Closed | xxxxxx | 2025-12-01 09:18 | 2025-12-04 13:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-12/04/2025 <br>Open-Missing Third Party Fraud Report Missing the third party fraud report. - Due Diligence Vendor-12/01/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 680. Borrower's qualifying FICO is 783. Required is 680 Borrower has 783<br>Qualifying DTI below maximum allowed - Guidelines maximum DTI is 50%. Borrower's DTI is 41.57%. Required is 50 Borrower has 41.57 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853503 | xxxxxx D A | Closed | xxxxxx | 2025-12-03 14:21 | 2025-12-23 11:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap and revised 1003 and 1008 - Due Diligence Vendor-12/23/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide either Gap credit report or UDM report. - Due Diligence Vendor-12/03/2025 |  | Resolved-Received gap and revised 1003 and 1008 - Due Diligence Vendor-12/23/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.45 Required is 50 Borrower has 32.45<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 761 Required is 640 Borrower has 761<br>LTV is less than guideline maximum - Required is 80 Borrower has 64.97 Required is 80 Borrower has 64.97 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853529 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853531 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853546 | xxxxxx C B A | Closed | xxxxxx | 2025-12-05 14:47 | 2025-12-16 11:29 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage - Due Diligence Vendor-12/16/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Prelim does not show sufficient coverage. - Due Diligence Vendor-12/09/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage - Due Diligence Vendor-12/16/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853546 | xxxxxx C B A | Closed | xxxxxx | 2025-12-04 14:41 | 2025-12-04 14:41 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/04/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 853546 | xxxxxx C B A | Closed | xxxxxx | 2025-12-04 14:41 | 2025-12-04 14:41 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -------Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/04/2025 |  | Waived-Required Affiliated Business Disclosure Missing -------Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 853550 | xxxxxx C B A | Closed | xxxxxx | 2025-12-05 13:17 | 2025-12-17 10:37 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Effective Date is After the Note Date | Resolved-Received current master HOI policy. - Due Diligence Vendor-12/17/2025 <br> Open-Master Policy Effective Date of xxxxxx is After the Transaction Date of xxxxxx Missing policy prior to renewal - Due Diligence Vendor-12/09/2025 |  | Resolved-Received current master HOI policy. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.42 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853550 | xxxxxx C B A | Closed | xxxxxx | 2025-12-05 13:47 | 2025-12-12 10:36 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-12/12/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Per Notes for xxxxxx refresh is required no more than 10 days prior to Note date or after - Due Diligence Vendor-12/09/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.42 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853550 | xxxxxx C B A | Closed | xxxxxx | 2025-12-05 07:23 | 2025-12-05 07:23 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ------Originator wavier applied to non-material findings - Due Diligence Vendor-12/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing ------Originator wavier applied to non-material findings - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 804<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.42 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 853551 | xxxxxx B A | Closed | xxxxxx | 2025-12-03 07:00 | 2025-12-03 07:08 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-12/03/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.94 Required is 50 Borrower has 31.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 728 Required is 660 Borrower has 728 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 853553 | xxxxxx C A | Closed | xxxxxx | 2025-12-11 16:26 | 2025-12-18 12:15 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries - Due Diligence Vendor-12/18/2025 <br> Open-LOX for credit inquiries is missing. Gap report reflects 1 new inquiry since the original credit pull- xxxxxx xxxxxx. New debt not yet seen on credit and no LOE provided. - Due Diligence Vendor-12/11/2025 |  | Resolved-Received LOX for credit inquiries - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.33 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853553 | xxxxxx C A | Closed | xxxxxx | 2025-12-10 13:59 | 2025-12-18 07:51 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/18/2025 <br>Open------ Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-12/10/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.33 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853555 | xxxxxx D A | Closed | xxxxxx | 2025-11-21 09:33 | 2025-11-24 10:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-11/24/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing BP Cert in file not signed by the borrower. - Due Diligence Vendor-11/21/2025 |  | Resolved-Received Business Purpose & Occupancy Affidavit. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 757 and minimum required is 700 Required is 700 Borrower has 757<br>Months Reserves exceed minimum required - 12 months required, borrower has 253 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853557 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853559 | xxxxxx D A | Closed | xxxxxx | 2025-12-05 15:22 | 2025-12-24 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit received dated 12/10/25. - Due Diligence Vendor-12/24/2025 <br> Counter-Received duplicate credit report. Please provide Credit Gap report. - Due Diligence Vendor-12/17/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide Gap Credit Report - Due Diligence Vendor-12/09/2025 |  | Resolved-Gap credit received dated 12/10/25. - Due Diligence Vendor-12/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 756<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.98 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853560 | xxxxxx C A | Closed | xxxxxx | 2025-12-08 11:20 | 2025-12-12 10:39 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/12/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Non-borrowing title holder xxxxxx to be added to fraud report - Due Diligence Vendor-12/10/2025 |  | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/12/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853568 | xxxxxx D A | Closed | xxxxxx | 2025-12-03 11:42 | 2025-12-08 11:02 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Upon further review, satisfactory chain of title was located in the loan file. - Due Diligence Vendor-12/08/2025 <br>Open-Unsatisfactory Chain of Title provided. Chain of title with dates needed (unable to determine date of acquisition). - Due Diligence Vendor-12/03/2025 |  | Resolved-Upon further review, satisfactory chain of title was located in the loan file. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 660 - actual FICO score is 782. Required is 660 Borrower has 782<br>LTV is less than guideline maximum - Maximum LTV allowed is 75% - actual LTV is 54.35%. Required is 75 Borrower has 54.35<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - actual DTI is 34.25%. Required is 50 Borrower has 34.25 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853568 | xxxxxx D A | Closed | xxxxxx | 2025-12-03 11:42 | 2025-12-08 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received prelim and closing instructions w/sufficient coverage. - Due Diligence Vendor-12/08/2025 <br>Open-Title Document is Incomplete Final title or signed closing instructions needed to verify the title insurance amount. - Due Diligence Vendor-12/03/2025 |  | Resolved-Received prelim and closing instructions w/sufficient coverage. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 660 - actual FICO score is 782. Required is 660 Borrower has 782<br>LTV is less than guideline maximum - Maximum LTV allowed is 75% - actual LTV is 54.35%. Required is 75 Borrower has 54.35<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - actual DTI is 34.25%. Required is 50 Borrower has 34.25 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853568 | xxxxxx D A | Closed | xxxxxx | 2025-12-03 11:54 | 2025-12-08 10:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received xxxxxx warranty - Due Diligence Vendor-12/08/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing Condo Questionnaire. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received xxxxxx warranty - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 660 - actual FICO score is 782. Required is 660 Borrower has 782<br>LTV is less than guideline maximum - Maximum LTV allowed is 75% - actual LTV is 54.35%. Required is 75 Borrower has 54.35<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - actual DTI is 34.25%. Required is 50 Borrower has 34.25 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853569 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853570 | xxxxxx D A C | Closed | xxxxxx | 2025-12-03 15:59 | 2025-12-10 17:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-After further review, the reserves are based on P&I, not PITIA. Reserves are sufficient. - Due Diligence Vendor-12/10/2025 <br> Open-Audited Reserves of 5.64 month(s) are less than Guideline Required Reserves of 6 month(s) The guideline requirement for reserves for a loan amount over $1,000,000 for a primary/second home is : > $1,000,000: 6 months Principal & Interest payment (page 15 of 18). There are no other assets in the loan file or listed on the final 1003. xxxxxx required - xxxxxx to borrower (page 186). - Due Diligence Vendor-12/03/2025 |  | Resolved-After further review, the reserves are based on P&I, not PITIA. Reserves are sufficient. - Due Diligence Vendor-12/10/2025<br>| LTV is less than guideline maximum - maximum LTV allowed is 70% - actual LTV is 64.68%. Required is 70 Borrower has 64.68<br>Qualifying DTI below maximum allowed - Maximum DTI is 50% - actual DTI is 40.82% Required is 50 Borrower has 40.82 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853570 | xxxxxx D A C | Closed | xxxxxx | 2025-12-02 13:10 | 2025-12-04 15:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, no further documentation is needed or required. Affiliated Business Disclosure is in file. - Due Diligence Vendor-12/04/2025 <br>Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-12/02/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Affiliated Business Disclosure is in file. - Due Diligence Vendor-12/04/2025<br>| LTV is less than guideline maximum - maximum LTV allowed is 70% - actual LTV is 64.68%. Required is 70 Borrower has 64.68<br>Qualifying DTI below maximum allowed - Maximum DTI is 50% - actual DTI is 40.82% Required is 50 Borrower has 40.82 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853570 | xxxxxx D A C | Closed | xxxxxx | 2025-12-04 12:07 | 2025-12-04 12:19 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-12/04/2025 <br>Open-Unsatisfactory Chain of Title provided. Missing chain of title dates. - Due Diligence Vendor-12/04/2025 |  | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-12/04/2025<br>| LTV is less than guideline maximum - maximum LTV allowed is 70% - actual LTV is 64.68%. Required is 70 Borrower has 64.68<br>Qualifying DTI below maximum allowed - Maximum DTI is 50% - actual DTI is 40.82% Required is 50 Borrower has 40.82 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853591 | xxxxxx C A | Closed | xxxxxx | 2025-12-09 11:41 | 2025-12-15 10:38 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-12/15/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). > 10 days - Due Diligence Vendor-12/11/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-12/15/2025<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718 Required is 680 Borrower has 718 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853591 | xxxxxx C A | Closed | xxxxxx | 2025-12-08 13:49 | 2025-12-15 10:37 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Security Instrument w/legal. - Due Diligence Vendor-12/15/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing LD in mortgage chain. - Due Diligence Vendor-12/08/2025 |  | Resolved-Received Security Instrument w/legal. - Due Diligence Vendor-12/15/2025<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718 Required is 680 Borrower has 718 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853594 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853598 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853646 | xxxxxx B A | Closed | xxxxxx | 2025-12-10 12:57 | 2026-01-09 12:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-12/10/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 799 Required is 720 Borrower has 799<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853676 | xxxxxx C A | Closed | xxxxxx | 2025-12-16 12:25 | 2025-12-19 11:35 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received proof of receipt of gift - Due Diligence Vendor-12/19/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Borrower is receiving 2 gifts of $100,000.00 each. Gift letters only in the file. Missing evidence the gift funds were wired to the title company, deposited to the borrowers account or donors ability to provide the gifts. - Due Diligence Vendor-12/16/2025 |  | Resolved-Received proof of receipt of gift - Due Diligence Vendor-12/19/2025<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 755<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.93 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853687 | xxxxxx C A | Closed | xxxxxx | 2025-12-17 06:22 | 2025-12-23 12:00 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Received confirmation xxxxxx xxxxxx are owned and unencumbered. - Due Diligence Vendor-12/23/2025 <br> Open-Missing documentation for xxxxxx xxxxxx to confirm compliance with xxxxxx requirements. Guidelines are silent and defer to xxxxxx. xxxxxx xxxxxx are not addressed on preliminary title but appraisal note xxxxxx xxxxxx are owned. Additional findings may apply, and DTI may require recalculation if there is related debt. Additionally, CLTV may be impacted and appraisal may have to be adjusted to remove xxxxxx xxxxxx. - Due Diligence Vendor-12/17/2025 |  | Resolved-Received confirmation xxxxxx xxxxxx are owned and unencumbered. - Due Diligence Vendor-12/23/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.25<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853706 | xxxxxx C A | Closed | xxxxxx | 2025-12-05 12:29 | 2025-12-30 16:30 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation of applying for Homestead and utility bills. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/30/2025 <br> Counter-No new document provided. Previously received only confirmation of applying for Homestead. Provide confirm of Homestead exception - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Counter-Received survey, final policy, closing instructions. Missing 5) Tax certificate shows NO Homestead Exemption is filed on the subject. xxxxxx 50(a)(6) requires the subject to be the borrower's Homestead. Received only confirmation of applying for Homestead. Provide confirm of Homestead exception. - Due Diligence Vendor-12/16/2025 <br> Open-Property Title Issue The following are missing for xxxxxx loan and/or xxxxxx 50(a)(6).<br> (1) Survey demonstrating that the homestead property and any adjacent land are separate parcels, and the homestead property is a separately platted and subdivided lot for which full ingress and egress is available as required per xxxxxx xxxxxx. Additionally, xxxxxx requires surveys dated within 7 years and must be provided. <br> (2) Detailed closing instruction letter from lender to the title company with required acknowledgment of its receip as required per xxxxxx xxxxxx<br> (3) T-42 Equity Loan Mortgage Endorsement and T-42.1 Supplemental Coverage Equity Loan Mortgage Endorsement as required per xxxxxx xxxxxx<br> (4) Per Schedule C #12 "other abstracts of judgment, federal tax liens or any other adverse matter" were NOT checked. Missing evidence ALL were in fact checked. Fraud report does not include. <br> (5) Tax certificate shows NO Homestead Exemption is filed on the subject. xxxxxx 50(a)(6) requires the subject to be the borrower's Homestead. <br> (6) Additional findings may apply. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received confirmation of applying for Homestead and utility bills. - Due Diligence Vendor-12/30/2025<br>| Credit history exceeds minimum required - Credit History = 40 Months Minimum Credit History = 24 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853706 | xxxxxx C A | Closed | xxxxxx | 2025-12-05 12:56 | 2025-12-30 16:28 | Resolved | 1 - Information C A | Credit | Borrower | Fraud: Potential Occupancy/Current Address Issues identified in the file | Resolved-Received utility bills (xxxxxx), LOE from borrower regarding xxxxxx, and homestead filing period, which the borrower stated he would be filing. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Counter-Received Utility bills. Provide confirmation subject is homestead with county. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Counter-Received only xxxxxx utility bill and LOE regarding no xxxxxx. Provide acceptable confirmation borrower resides in subject and is homestead. - Due Diligence Vendor-12/16/2025 <br> Open-Subject is a xxxxxx 50(a)(6) which requires the subject to be the borrower's homestead (primary cash-out). Borrower paid cash for the home when purchased in January. A xxxxxx 50(a)(6) was taken in May. The Tax Certificate does not support that the home is the borrower's homestead. The appraisal photos do not support that the borrower has been residing in the property as their homestead since January or May. Appraiser notes no renovations/remodeling/updates in the last 15 years. Additional findings may apply. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received utility bills (xxxxxx), LOE from borrower regarding xxxxxx, and homestead filing period, which the borrower stated he would be filing. - Due Diligence Vendor-12/30/2025 | Credit history exceeds minimum required - Credit History = 40 Months Minimum Credit History = 24 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853706 | xxxxxx C A | Closed | xxxxxx | 2025-12-09 14:42 | 2025-12-30 11:07 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received CD and Note for current mtg on subject, previously free and clear. 12 months housing history provided. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Counter-Previously received note reflecting 1st payment xxxxxx. Missing complete 12 month housing history validation. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Counter-Received note reflecting 1st payment xxxxxx. Missing complete 12 month housing history validation. - Due Diligence Vendor-12/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower purchase subject xxxxxx; however, the credit report only reflects 3 months of housing history. Mortgage history to be updated - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received CD and Note for current mtg on subject, previously free and clear. 12 months housing history provided. - Due Diligence Vendor-12/30/2025<br>| Credit history exceeds minimum required - Credit History = 40 Months Minimum Credit History = 24 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853706 | xxxxxx C A | Closed | xxxxxx | 2025-12-05 12:29 | 2025-12-16 11:44 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-12/16/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-12/09/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-12/16/2025<br>| Credit history exceeds minimum required - Credit History = 40 Months Minimum Credit History = 24 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853708 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 06:58 | 2026-01-12 10:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Purchase Contract Issue | Waived-Client waiver applied to non material finding - Due Diligence Vendor-12/29/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing copy of the purchase contract addendum reflecting seller paid fees in the amount of $3,669. - Due Diligence Vendor-12/29/2025 |  | Waived-Client waiver applied to non material finding - Due Diligence Vendor-12/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 786 and minimum allowed is 660 Required is 660 Borrower has 786<br>Qualifying DTI below maximum allowed - DTI is 35.08% and max allowed is 50% Required is 50 Borrower has 35.08 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853709 | xxxxxx D A | Closed | xxxxxx | 2025-12-19 08:26 | 2025-12-24 09:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received originators warranty type Q with confirmation not ineligible. - Due Diligence Vendor-12/24/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-12/19/2025 |  | Resolved-Received originators warranty type Q with confirmation not ineligible. - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 697<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853710 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853713 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853724 | xxxxxx C A | Closed | xxxxxx | 2025-12-05 16:02 | 2025-12-15 19:00 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-An updated appraiser's license was provided. - Due Diligence Vendor-12/16/2025 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Provide a current copy of the Appraiser's License as the copy in the appraisal expired xxxxxx. - Due Diligence Vendor-12/10/2025 |  | Resolved-An updated appraiser's license was provided. - Due Diligence Vendor-12/16/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.89<br>LTV is less than guideline maximum - Required is 75 Borrower has 35.18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853727 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853773 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853780 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 853812 | xxxxxx B A | Closed | xxxxxx | 2025-12-08 14:03 | 2025-12-08 14:03 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-12/08/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735<br>Months Reserves exceed minimum required - 6.58 Months Reserves exceed 4 months minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853823 | xxxxxx B A | Closed | xxxxxx | 2025-11-30 11:37 | 2025-12-04 07:26 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/04/2025 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-11/30/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min is 680, FICO is 801 Required is 680 Borrower has 801<br>Qualifying DTI below maximum allowed - Max is 50%, DTI is 36.55% Required is 50 Borrower has 36.55 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853826 | xxxxxx D A | Closed | xxxxxx | 2025-11-18 15:19 | 2025-11-26 14:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received revised CPA letter confirming business active 5 years. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/24/2025 <br>Open-Borrower 1 CPA Letter Missing Missing evidence of business - CPA letter does not reflect amount of time. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| Resolved-Received revised CPA letter confirming business active 5 years. - Due Diligence Vendor-11/26/2025<br>| LTV is less than guideline maximum - Maximum LTV is 75% - actual LTV is 66.67% Required is 75 Borrower has 66.67<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 660 - actual FICO score is 767 Required is 660 Borrower has 767 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853828 | xxxxxx C B A | Closed | xxxxxx | 2025-11-14 12:39 | 2025-12-01 11:09 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved------Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-11/26/2025 <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 xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. PCCD attached - Seller-11/26/2025<br>| Resolved------Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/01/2025 | Months Reserves exceed minimum required - Guidelines require 4 months reserves. The borrower has 15.72 months of verified reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO score required is 680. Borrower's qualifying FICO score is 745. Required is 680 Borrower has 745 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853828 | xxxxxx C B A | Closed | xxxxxx | 2025-11-14 13:32 | 2025-11-14 13:51 | 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-11/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - Guidelines require 4 months reserves. The borrower has 15.72 months of verified reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO score required is 680. Borrower's qualifying FICO score is 745. Required is 680 Borrower has 745 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 853830 | xxxxxx B A | Closed | xxxxxx | 2025-11-14 18:14 | 2025-11-14 18:14 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/14/2025<br>| Qualifying DTI below maximum allowed - Guidelines maximum DTI is 49.99%. Borrower's DTI is 41.91%. Required is 49.99 Borrower has 41.91<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 660. Borrower's qualifying FICO score is 714. Required is 660 Borrower has 714 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 853833 | xxxxxx D B A | Closed | xxxxxx | 2025-11-24 16:08 | 2025-11-26 15:11 | 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-11/26/2025 <br>Ready for Review-Already included in the package. - Seller-11/24/2025 <br>Open-Missing documentation for REO to calculate rental income - Due Diligence Vendor-11/24/2025 | Ready for Review-Already included in the package. - Seller-11/24/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 794<br>LTV is less than guideline maximum - Required is 75 Borrower has 53.48 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853833 | xxxxxx D B A | Closed | xxxxxx | 2025-11-20 13:28 | 2025-11-26 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Upon further review, the loan file contained all required REO PITIA validation documentation. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Please refer to pages 119-128. They are already included in the package. - Seller-11/24/2025 <br> Open-Provide documentation for taxes, insurance and HOA fee for xxxxxx - Due Diligence Vendor-11/24/2025 | Ready for Review-Please refer to pages 119-128. They are already included in the package. - Seller-11/24/2025<br>| Resolved-Upon further review, the loan file contained all required REO PITIA validation documentation. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 794<br>LTV is less than guideline maximum - Required is 75 Borrower has 53.48 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853833 | xxxxxx D B A | Closed | xxxxxx | 2025-11-19 15:03 | 2025-11-19 15:03 | 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-11/19/2025 |  | Waived-Required Affiliated Business Disclosure Missing -------Originator waiver applied to non-material Findings - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 794<br>LTV is less than guideline maximum - Required is 75 Borrower has 53.48 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 853835 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853836 | xxxxxx B A | Closed | xxxxxx | 2025-11-19 11:56 | 2025-11-19 11:56 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/19/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 728<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 42.62 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 853837 | xxxxxx C A | Closed | xxxxxx | 2025-12-11 12:41 | 2026-01-09 14:29 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/09/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Exhibit A; Legal Description - Due Diligence Vendor-12/11/2025 |  | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 640 - actual FICO score is 662. Required is 640 Borrower has 662<br>LTV is less than guideline maximum - Maximum LTV allowed is 80% - actual LTV is 69.14%. Required is 80 Borrower has 69.14 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853841 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853874 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853902 | xxxxxx D A | Closed | xxxxxx | 2025-12-04 08:53 | 2025-12-12 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-After further review, the fraud rpt indicates the taxes are xxxxxx; however, the lender used $1,198.01 since this was recently purchased and the taxes would be assessed at 1.25% of the sales price of xxxxxx. - Due Diligence Vendor-12/12/2025 <br> Counter-Tax Calculation provided is not for the subject property - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/10/2025 <br> Counter-Client Comments - Tax amount stated on xxxxxx on page 74 of credit pkg is xxxxxx and recent Settlement Statement from purchase dated xxxxxx states Taxes are xxxxxx semi-annually. - AUDIT Response. Subject transaction is a purchase, please provide the tax calculation used for qualification. <br> - Due Diligence Vendor-12/08/2025 <br> Open-Missing verification of taxes for REO xxxxxx. Audit used the monthly amount noted on 1003 for taxes and insurance. Additional findings may apply and DTI may require recalculation. - Due Diligence Vendor-12/04/2025 |  | Resolved-After further review, the fraud rpt indicates the taxes are xxxxxx; however, the lender used xxxxxx since this was recently purchased and the taxes would be assessed at 1.25% of the sales price of xxxxxx. - Due Diligence Vendor-12/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 716<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.52 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853919 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 19:46 | 2025-12-30 13:40 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Appraiser provide further confirmation of stable market and no time adjustments warranted. - Due Diligence Vendor-12/30/2025 <br>Open-Missing clarification surrounding stable market and line rate change of -0.26 that appraiser comments were applied to comps that closed >90 days. Appraiser goes on to comment that the adjustments were not applied due to them being <=3.1%. Market Conditions addendum shows declining values period over period in the most recent 12-months with an overall decline of 4.37%. While value appears to be well supported additional detailed commentary to support stable market is required. Declining markets require a 5% LTV reduction. Additional findings may apply. <br> - Due Diligence Vendor-12/13/2025 |  | Resolved-Appraiser provide further confirmation of stable market and no time adjustments warranted. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 31.3. Required is 50 Borrower has 31.3<br>Long term residence - Per 1003 borrower has been residing at their current residence for >19 years.  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853919 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 20:20 | 2025-12-29 09:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-After further review, there was only one gift for $23,000 and both the gift letter and escrow receipt confirm the gift was not cash. There is no $20,000 deposit of cash in the borrower's account - Due Diligence Vendor-12/29/2025 <br> Counter-Received PCCD. Reserves are short by $8,033.94 only 2.66 months verified. 6 months required. - Due Diligence Vendor-12/17/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) 1003 reflects borrowers received a gift of CASH for $20k. Cash-on-hand is not an acceptable source of funds for the down payment or closing costs. Funds were backed out of available assets. Additional findings may apply. If erroneous source of deposits >=$8k may be required to ensure no cash gift was provided as bank statements do not support historical receipt of that level of deposits. <br> - Due Diligence Vendor-12/13/2025 |  | Resolved-After further review, there was only one gift for $23,000 and both the gift letter and escrow receipt confirm the gift was not cash. There is no $20,000 deposit of cash in the borrower's account - Due Diligence Vendor-12/29/2025<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 31.3. Required is 50 Borrower has 31.3<br>Long term residence - Per 1003 borrower has been residing at their current residence for >19 years.  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853919 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 19:16 | 2025-12-17 11:07 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-12/17/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Loan amount is xxxxxx and title does not reflect the insured lender. - Due Diligence Vendor-12/13/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-12/17/2025<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 31.3. Required is 50 Borrower has 31.3<br>Long term residence - Per 1003 borrower has been residing at their current residence for >19 years.  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853919 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 19:17 | 2025-12-17 11:06 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Received confirmation of default terms and confirmation PPA is solely based on xxxxxx and may be excluded. Appraiser did not include xxxxxx in xxxxxx. - Due Diligence Vendor-12/17/2025 <br> Open-Missing (1) both xxxxxx agreements as shown on title; loan only contains the xxxxxx agreement from 2020 not the documentation attached to the 2024 UCC (2) 2020 xxxxxx xxxxxx purchase agreement does NOT have a production guarantee or provide delivery of a specific amount. Loan does not contain documentation to determine amount of xxxxxx lease payment that must be included in the DTI. (3) 2020 xxxxxx agreement does not contain required verbiage for the lender/assignee surrounding foreclosure as detailed under xxxxxx xxxxxx. (4) appraisal lacks xxxxxx comments (5) Additional findings may apply. - Due Diligence Vendor-12/13/2025 |  | Resolved-Received confirmation of default terms and confirmation PPA is solely based on xxxxxx and may be excluded. Appraiser did not include xxxxxx in xxxxxx. - Due Diligence Vendor-12/17/2025 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 31.3. Required is 50 Borrower has 31.3<br>Long term residence - Per 1003 borrower has been residing at their current residence for >19 years.  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853919 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 20:12 | 2025-12-17 10:59 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD confirming sufficient assets for closing. - Due Diligence Vendor-12/17/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-4221.65'. Assets are Insufficient. 1003 reflects borrowers received a gift of CASH for $20k. Cash-on-hand is not an acceptable source of funds for the down payment or closing costs. Funds were backed out of available assets. Additional findings may apply. If erroneous source of deposits >=$8k may be required to ensure no cash gift was provided as bank statements do not support historical receipt of that level of deposits. - Due Diligence Vendor-12/13/2025 |  | Resolved-Received PCCD confirming sufficient assets for closing. - Due Diligence Vendor-12/17/2025<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 31.3. Required is 50 Borrower has 31.3<br>Long term residence - Per 1003 borrower has been residing at their current residence for >19 years.  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853919 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 19:46 | 2025-12-17 10:57 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received PCCD confirming $10k seller contributions. - Due Diligence Vendor-12/17/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing clarification surrounding seller and agent credits. Escrow and contract addendums show $10k seller credit and $2050 agent credit. Final borrower CD does not reflect any seller or agent credits but the seller's final CD shows a $10k credit. No addendums included removing credits. Additional findings may apply. <br> - Due Diligence Vendor-12/13/2025 |  | Resolved-Received PCCD confirming $10k seller contributions. - Due Diligence Vendor-12/17/2025 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 31.3. Required is 50 Borrower has 31.3<br>Long term residence - Per 1003 borrower has been residing at their current residence for >19 years.  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853921 | xxxxxx C B A | Closed | xxxxxx | 2025-12-17 08:11 | 2025-12-22 08:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client waiver applied to non material finding with comp factors. Deemed non material due to Audited Reserves of 3.25 month(s) are less than 1 month short of Guideline Required Reserves of 4 month(s)<br> - Due Diligence Vendor-12/19/2025 <br>Open-Audited Reserves of 1.4 month(s) are less than Guideline Required Reserves of 4 month(s) Missing asset as listed in 2a of final 1003. - Due Diligence Vendor-12/17/2025 |  | Waived-Client waiver applied to non material finding with comp factors. Deemed non material due to Audited Reserves of 3.25 month(s) are less than 1 month short of Guideline Required Reserves of 4 month(s)<br> - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 730 | 40.4% DTI<br> 730 fico | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 853921 | xxxxxx C B A | Closed | xxxxxx | 2025-12-16 12:20 | 2025-12-19 09:01 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/19/2025 <br>Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-12/16/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 730 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853921 | xxxxxx C B A | Closed | xxxxxx | 2025-12-16 12:26 | 2025-12-19 09:00 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-12/19/2025 <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 xxxxxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $3000 (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 $3000, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-12/16/2025 |  | Resolved------Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 730 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853928 | xxxxxx C A | Closed | xxxxxx | 2025-12-19 14:28 | 2025-12-29 07:46 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Escrow Account | Resolved------Received PCCD dated xxxxxx with escrow marked on page 4. Finding Resolved. - Due Diligence Vendor-12/29/2025 <br> Open-Final CD, 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-12/19/2025 |  | Resolved------Received PCCD dated xxxxxx with escrow marked on page 4. Finding Resolved. - Due Diligence Vendor-12/29/2025 | CLTV is less than guidelines maximum - Required is 75 Borrower has 60.61 Required is 75 Borrower has 60.61<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.79 Required is 50 Borrower has 42.79<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 751 Required is 680 Borrower has 751 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853937 | xxxxxx D A C | Closed | xxxxxx | 2025-11-26 15:23 | 2026-01-09 13:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved------Received CD dated by borrower xxxxxx. Finding Resolved. - Due Diligence Vendor-01/09/2026 <br> Counter-----Mortgage was notarized on xxxxxx. Last CD in final is hand signed on xxxxxx. We need a a CD that was signed at closing on xxxxxx. Finding Remains. - Due Diligence Vendor-12/03/2025 <br> Open-Missing final closing disclosure and evidence of receipt at closing xxxxxx. - Due Diligence Vendor-11/26/2025 |  | Resolved------Received CD dated by borrower xxxxxx. Finding Resolved. - Due Diligence Vendor-01/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786<br>On time mortgage history exceeds guideline requirement - 34+ months paid as agreed exceeds required 12 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853937 | xxxxxx D A C | Closed | xxxxxx | 2025-12-08 07:44 | 2025-12-17 08:02 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-----Received PCCD to correct Finance Charge. Finding Resolved. - Due Diligence Vendor-12/17/2025 <br> Open-\*\*\*\*\*NEW\*\*\*\*\*-----This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $77,917.37. The disclosed finance charge of $769,434.39 is not considered accurate because it is understated by more than $100 at $3.483.18. Provide evidence of refund or principal reduction of $3,483.18, 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 xxxxxx.<br> - Due Diligence Vendor-12/08/2025 |  | Resolved-----Received PCCD to correct Finance Charge. Finding Resolved. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786<br>On time mortgage history exceeds guideline requirement - 34+ months paid as agreed exceeds required 12 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853937 | xxxxxx D A C | Closed | xxxxxx | 2025-11-26 14:36 | 2025-12-10 09:51 | Resolved | 1 - Information C A | Credit | Title | Title Effective Date is greater than Note Date | Resolved-Received Preliminary Title dated xxxxxx - Due Diligence Vendor-12/10/2025 <br> Counter-Prelim was not attached. - Due Diligence Vendor-12/09/2025 <br> Counter-Please provide original Prelim for confirmation update only. - Due Diligence Vendor-12/03/2025 <br> Open-Title Form Type is Preliminary Commitment but Title Effective Date is greater than Note Date of xxxxxx - Due Diligence Vendor-11/26/2025 |  | Resolved-Received Preliminary Title dated xxxxxx - Due Diligence Vendor-12/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786<br>On time mortgage history exceeds guideline requirement - 34+ months paid as agreed exceeds required 12 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853937 | xxxxxx D A C | Closed | xxxxxx | 2025-12-08 07:44 | 2025-12-10 07:52 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received COC for lock extension. Finding Resolved. - Due Diligence Vendor-12/10/2025 <br> Open-\*\*\*\*NEW\*\*\*\*\*-----Zero (0%) tolerance fees increased by $4,983.13 (Rate Extension 11/06/2025) 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 $4,983.13, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations -1 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-12/08/2025 |  | Resolved-----Received COC for lock extension. Finding Resolved. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786<br>On time mortgage history exceeds guideline requirement - 34+ months paid as agreed exceeds required 12 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853937 | xxxxxx D A C | Closed | xxxxxx | 2025-12-08 07:44 | 2025-12-08 08:20 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved------Addressed in other finding - Due Diligence Vendor-12/08/2025 |  | Resolved------Addressed in other finding - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786<br>On time mortgage history exceeds guideline requirement - 34+ months paid as agreed exceeds required 12 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853955 | xxxxxx C A | Closed | xxxxxx | 2025-12-03 11:18 | 2025-12-17 08:12 | Resolved | 1 - Information C A | Compliance | Disclosure | Right to Cancel Transaction Date is less than 3 business days prior to the Disclosure Cancel Date | Resolved-Received corrected Right to Cancel Transaction. Finding Resolved. - Due Diligence Vendor-12/17/2025 <br> Open-Right to Cancel Transaction Date is 'xxxxxx' but the Disclosure Cancel Date entered is 'xxxxxx'. Please verify that the correct dates have been entered (Number of Business Days Difference is '2'). ----- timing is not sufficient as there was a holiday - Due Diligence Vendor-12/03/2025 |  | Resolved-Received corrected Right to Cancel Transaction. Finding Resolved. - Due Diligence Vendor-12/17/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.49 Required is 50 Borrower has 37.49<br> Qualifying FICO score is at least 20 points above minimum for program - xxxxxx Minimum FICO is 700; qualifying FICO is 720. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 853969 | xxxxxx C A | Closed | xxxxxx | 2025-12-09 08:43 | 2025-12-24 10:12 | Resolved | 1 - Information C A | Credit | Assets | Asset 7 Does Not Meet Guideline Requirements | Resolved-Received printout and source of deposit. - Due Diligence Vendor-12/24/2025 <br> Counter-For clarification, Asset 7 is xxxxxxxx dated 10/31 xxxxxx account. - Due Diligence Vendor-12/17/2025 <br> Open-Asset 7 Does Not Meet Guideline Requirements New account trans history however statement does not evidence account holder. Transfer appears to be from the IRA however unable to confirm; Note the IRA did not have this balance pre tax or penalty deductions for withdrawal. - Due Diligence Vendor-12/09/2025 |  | Resolved-Received printout and source of deposit. - Due Diligence Vendor-12/24/2025<br>| Qualifying DTI below maximum allowed - 10.25% DTI, 50% max allowed. Required is 50 Borrower has 10.25<br>LTV is less than guideline maximum - 80% LTV, max allowed is 90% Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - 680 min FICO score required, qualifying FICO is 759 Required is 680 Borrower has 759 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853979 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854003 | xxxxxx C B A | Closed | xxxxxx | 2025-11-24 12:46 | 2025-11-26 15:13 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received internet validation of business phone number and address. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/24/2025 <br>Open-Income and Employment Do Not Meet Guidelines Business phone number verification via Google Search, 411.com or internet is required. Otherwise, CPA must verify the borrower's nature of business and confirm that the business phone number is not required for the type of business being operated by the borrower. Business phone number verification missing. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| Resolved-Received internet validation of business phone number and address. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 732. Per guide, a minimum score required 680. Required is 680 Borrower has 732<br>Qualifying DTI below maximum allowed - Borr DTI 33.56%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 33.56<br>Months Reserves exceed minimum required - 22.33mos reserves. Per guides, 4mos reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854003 | xxxxxx C B A | Closed | xxxxxx | 2025-11-20 14:35 | 2025-11-20 14:50 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 732. Per guide, a minimum score required 680. Required is 680 Borrower has 732<br>Qualifying DTI below maximum allowed - Borr DTI 33.56%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 33.56<br>Months Reserves exceed minimum required - 22.33mos reserves. Per guides, 4mos reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 854010 | xxxxxx D A C | Closed | xxxxxx | 2025-12-03 13:27 | 2025-12-18 12:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received The HOA Questionnaire Document - Due Diligence Vendor-12/18/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Must meet guidelines. Additionally, findings may apply upon receipt. - Due Diligence Vendor-12/03/2025 |  | Resolved-Received The HOA Questionnaire Document - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700. Borrower has 804 Required is 700 Borrower has 804<br>LTV is less than guideline maximum - Allowed LTV is 70%. Borrower has 60%. Required is 70 Borrower has 60 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854010 | xxxxxx D A C | Closed | xxxxxx | 2025-12-03 13:27 | 2025-12-18 12:37 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received the CU less than 2.5. - Due Diligence Vendor-12/18/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing desk review or other acceptable secondary valuation. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received the CU less than 2.5. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700. Borrower has 804 Required is 700 Borrower has 804<br>LTV is less than guideline maximum - Allowed LTV is 70%. Borrower has 60%. Required is 70 Borrower has 60 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854087 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854089 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854093 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854099 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854137 | xxxxxx D A | Closed | xxxxxx | 2025-12-09 10:58 | 2025-12-15 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-12/15/2025 <br>Open-Missing Third Party Fraud Report Provide Third Party Fraud report including OFAC and exclusionary lists. - Due Diligence Vendor-12/09/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-12/15/2025<br>| LTV is less than guideline maximum - Maximum LTV allowed is 85% - actual LTV is 80%. Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 700 - actual FICO score is 724. Required is 700 Borrower has 724 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854142 | xxxxxx C A | Closed | xxxxxx | 2025-12-10 09:56 | 2025-12-19 11:50 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Deed. - Due Diligence Vendor-12/19/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Housing History Does Not Meet Guideline Requirements. Missing evidence the the departure residence is free and clear. Lien Search to be provided to evidence no mortgages, liens associated with properties. - Due Diligence Vendor-12/15/2025 |  | Resolved-Received Deed. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - DTI is 44.81% and max allowed is 50%. Required is 50 Borrower has 44.81<br>Months Reserves exceed minimum required - Guidelines do not require any reserves. Borrower has 21.58 months of verified reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854142 | xxxxxx C A | Closed | xxxxxx | 2025-12-10 09:34 | 2025-12-19 11:49 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Deed. - Due Diligence Vendor-12/19/2025 <br>Open-Housing History Does Not Meet Guideline Requirements.Missing evidence the the departure residence is free and clear. Lien Search to be provided to evidence no mortgages, liens associated with properties. - Due Diligence Vendor-12/15/2025 |  | Resolved-Received Deed. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - DTI is 44.81% and max allowed is 50%. Required is 50 Borrower has 44.81<br>Months Reserves exceed minimum required - Guidelines do not require any reserves. Borrower has 21.58 months of verified reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854147 | xxxxxx C A | Closed | xxxxxx | 2025-12-17 20:27 | 2025-12-23 13:30 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received credit refresh. - Due Diligence Vendor-12/23/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-12/18/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-12/23/2025<br>| Qualifying DTI below maximum allowed - Required is 70 Borrower has 31.13<br>LTV is less than guideline maximum - Required is 65 Borrower has 57.76 Required is 70 Borrower has 57.76<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783 Required is 680 Borrower has 783 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854156 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854166 | xxxxxx D B C A | Closed | xxxxxx | 2025-12-11 11:17 | 2026-01-09 12:25 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received PITIA validations. - Due Diligence Vendor-12/17/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. REO xxxxxx - Missing verification of HOI <br> 2. REO xxxxxx - mortgage statement not provided to confirm payment is escrowed - Due Diligence Vendor-12/11/2025 |  | Resolved-Received PITIA validations. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854166 | xxxxxx D B C A | Closed | xxxxxx | 2025-12-10 11:08 | 2025-12-18 08:03 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/18/2025 <br> Counter-----Funding cannot take place until after midnight on xxxxxx. Final CD shows funding on xxxxxx. Please provide a PCCD with a funding date after the ROR expiration date. Finding Remains. - Due Diligence Vendor-12/17/2025 <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-12/10/2025 |  | Resolved----Received PCCD dated xxxxxx. Finding Resolved. - Due Diligence Vendor-12/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854166 | xxxxxx D B C A | Closed | xxxxxx | 2025-12-11 11:14 | 2025-12-17 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received verification of PITIA. - Due Diligence Vendor-12/17/2025 <br> Open-1. REO xxxxxx - Missing verification of HOI <br> 2. REO xxxxxx - mortgage statement not provided to confirm payment is escrowed<br> - Due Diligence Vendor-12/11/2025 |  | Resolved-Received verification of PITIA. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854166 | xxxxxx D B C A | Closed | xxxxxx | 2025-12-11 15:53 | 2025-12-11 16:06 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-12/11/2025 <br>Open-Approval/Underwriting Summary Partially Provided Income and DTI ratios on the 1008 are incorrect. - Due Diligence Vendor-12/11/2025 |  | Waived-Client waiver applied to non material finding with comp factors. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854172 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854176 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854189 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 02:53 | 2025-12-23 05:20 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Certification of Trust provided. - Due Diligence Vendor-12/23/2025 <br>Open-Trust/POA Does Not Meet Guideline Requirements Certification of Trust is not notarized. Trust agreement not in the file. - Due Diligence Vendor-12/15/2025 |  | Resolved-Certification of Trust provided. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.73<br>Months Reserves exceed minimum required - 224.37 months reserves and 3 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854189 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 03:28 | 2025-12-23 05:19 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Updated HOA cert provided. - Due Diligence Vendor-12/23/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Questionnaire #12 notes no ligation; however, file includes letter from attorney regarding a slip and fall from community bus for one of the five phases. Questionnaire to be updated. - Due Diligence Vendor-12/15/2025 |  | Resolved-Updated HOA cert provided. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.73<br>Months Reserves exceed minimum required - 224.37 months reserves and 3 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854189 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 08:29 | 2025-12-23 05:17 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, mortgage histories must be current within 45 days of application. - Due Diligence Vendor-12/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing evidence of xxxxxx payment for REO xxxxxx to meet 0x30x12 history requirement per Guideline Section 12. - Due Diligence Vendor-12/15/2025 |  | Resolved-After further review, mortgage histories must be current within 45 days of application. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.73<br>Months Reserves exceed minimum required - 224.37 months reserves and 3 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854189 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 02:58 | 2025-12-23 05:17 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final title provided. - Due Diligence Vendor-12/23/2025 <br>Open-Property Title Issue Missing evidence that Items 11, 12 and 13 were satisfied and or deleted from title. The items are related to the seller trust and death of the settlor of the trust. Additional findings may apply. - Due Diligence Vendor-12/15/2025 |  | Resolved-Final title provided. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.73<br>Months Reserves exceed minimum required - 224.37 months reserves and 3 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854189 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 02:58 | 2025-12-23 05:17 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final title provided. - Due Diligence Vendor-12/23/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). coverage amount is xxxxxx, loan amount is xxxxxx. - Due Diligence Vendor-12/15/2025 |  | Resolved-Final title provided. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.73<br>Months Reserves exceed minimum required - 224.37 months reserves and 3 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854189 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 03:28 | 2025-12-15 10:40 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Subject litigation meets guideline requirements, supporting documentation in file - Due Diligence Vendor-12/15/2025 <br> Open-The condo project has pending litigation. Lawsuit is from Tenant slip and fall from community bus against the HOA for one of the communities. An unsigned comment states that currently, there is no litigation involving the subject phase (project comprised of 5 phases). The file contains attorney letter stating the case has been accepted by the insurance company for and that it appears that the coverage is sufficient for any claimed losses in this litigation. However, the amount of the lawsuit is unknown, and because this appears to be a major lawsuit, provide the amount of the lawsuit to ensure the insurance can actually cover the funds. File includes copy of reserve study. Once the amount is provided, an Exception waiver is also required. - Due Diligence Vendor-12/15/2025 |  | Resolved-Subject litigation meets guideline requirements, supporting documentation in file - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.73<br>Months Reserves exceed minimum required - 224.37 months reserves and 3 months required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854203 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854205 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854245 | xxxxxx C A | Closed | xxxxxx | 2025-12-16 12:55 | 2026-01-09 14:31 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-Received the revised appraisal supporting the subject building has commercial space which is consistent with the questionnaire in the file. - Due Diligence Vendor-01/09/2026 <br> Open-Discrepancy between Condo Questionnaire and Appraisal. The condo questionnaire reflects subject is used for commercial purposes with 46.1 square foot percentage of commercial space.Appraisal does not reflect subject usage as commercial. Appraisal to provide a revised appraisal reflecting commercial space used for subject property. Commercial Space – maximum 49% . Additional findings may apply. - Due Diligence Vendor-12/19/2025 |  | Resolved-Received the revised appraisal supporting the subject building has commercial space which is consistent with the questionnaire in the file. - Due Diligence Vendor-01/09/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 69.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854245 | xxxxxx C A | Closed | xxxxxx | 2025-12-16 12:21 | 2025-12-24 10:18 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-12/24/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. .Missing copy of the secondary valuation to support subject value. - Due Diligence Vendor-12/19/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-12/24/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 69.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854247 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854255 | xxxxxx D A | Closed | xxxxxx | 2025-12-12 12:51 | 2025-12-16 15:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Received lease agreement. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-Borrower 1 Lease Agreements Missing Missing copy of the Lease (xxxxxx agreement) to support rent in the amount of $8,530.24 a month. Lease provided does not reflect the total rent amount . - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-Received lease agreement. - Due Diligence Vendor-12/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 743 and minimum allowed is 680 Required is 680 Borrower has 743<br>LTV is less than guideline maximum - LTV is 67% and max allowed is 80% Required is 80 Borrower has 67 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854255 | xxxxxx D A | Closed | xxxxxx | 2025-12-12 12:32 | 2025-12-16 15:36 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. - Seller-12/15/2025 <br>Open-LOX for credit inquiries is missing. Letter of Explanation for all inquiries is required. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-Received credit inquiry LOE. - Due Diligence Vendor-12/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 743 and minimum allowed is 680 Required is 680 Borrower has 743<br>LTV is less than guideline maximum - LTV is 67% and max allowed is 80% Required is 80 Borrower has 67 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854276 | xxxxxx C B A | Closed | xxxxxx | 2025-12-16 11:17 | 2025-12-18 12:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver reserves, applied to non material finding with comp factors<br> - Due Diligence Vendor-12/18/2025 <br>Open-Audited Reserves of 9.52 month(s) are less than Guideline Required Reserves of 12 month(s) Please provide additional assets to cure short reserves. - Due Diligence Vendor-12/16/2025 |  | Waived-Client provided a waiver reserves, applied to non material finding with comp factors<br> - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required FICO score is 720 - actual FICO score is 781. Required is 720 Borrower has 781<br>Qualifying DTI below maximum allowed - Maximum allowable DTI is 50% - actual DTI is 26.74%. Required is 50 Borrower has 26.74 | Compensating Factor 1 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854276 | xxxxxx C B A | Closed | xxxxxx | 2025-12-12 07:31 | 2025-12-12 07:35 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ------Client waiver applied to non-material Findings. - Due Diligence Vendor-12/12/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ------Client waiver applied to non-material Findings. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required FICO score is 720 - actual FICO score is 781. Required is 720 Borrower has 781<br>Qualifying DTI below maximum allowed - Maximum allowable DTI is 50% - actual DTI is 26.74%. Required is 50 Borrower has 26.74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854299 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854303 | xxxxxx C B A | Closed | xxxxxx | 2025-12-15 16:00 | 2025-12-23 13:32 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received attestation. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/22/2025 <br>Counter-Appraiser Independence Cert provided, however we are missing attestation/Cert from the Lender. - Due Diligence Vendor-12/19/2025 <br>Open-Appraisal was not ordered through an Appraisal Management Company. Missing attestation/cert from the lender that AIR regulations were met - Due Diligence Vendor-12/15/2025 |  | Resolved-Received attestation. - Due Diligence Vendor-12/23/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.55 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854303 | xxxxxx C B A | Closed | xxxxxx | 2025-12-11 12:42 | 2025-12-12 07:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Finding. - Due Diligence Vendor-12/11/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Finding. - Due Diligence Vendor-12/11/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 720<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.55 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854315 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854316 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854318 | xxxxxx D A | Closed | xxxxxx | 2025-12-10 15:24 | 2025-12-15 15:11 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-DOT was recorded in the correct county and the legal description was correct. - Due Diligence Vendor-12/15/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Legal and DOT show different counties. Please confirm which county. - Due Diligence Vendor-12/10/2025 |  | Resolved-DOT was recorded in the correct county and the legal description was correct. - Due Diligence Vendor-12/15/2025<br>| Verified employment history exceeds guidelines - Borrower has been with current employer for > 2 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 691 and minimum allowed is 660. Required is 660 Borrower has 691 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854318 | xxxxxx D A | Closed | xxxxxx | 2025-12-12 14:11 | 2025-12-15 15:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Gift funds can be used for the reserves. - Due Diligence Vendor-12/15/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s). Provide sufficient assets for total reserves required. - Due Diligence Vendor-12/15/2025 |  | Resolved-Gift funds can be used for the reserves. - Due Diligence Vendor-12/15/2025<br>| Verified employment history exceeds guidelines - Borrower has been with current employer for > 2 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 691 and minimum allowed is 660. Required is 660 Borrower has 691 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854318 | xxxxxx D A | Closed | xxxxxx | 2025-12-12 14:07 | 2025-12-15 15:07 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Gift funds provided, which can be used for the reserves. - Due Diligence Vendor-12/15/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) . Provide sufficient assets for total reserves required. - Due Diligence Vendor-12/12/2025 |  | Resolved-Gift funds provided, which can be used for the reserves. - Due Diligence Vendor-12/15/2025<br>| Verified employment history exceeds guidelines - Borrower has been with current employer for > 2 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 691 and minimum allowed is 660. Required is 660 Borrower has 691 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854318 | xxxxxx D A | Closed | xxxxxx | 2025-12-12 14:05 | 2025-12-15 15:05 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Gift letter was provided with wires that were in file confirming the transfer. - Due Diligence Vendor-12/15/2025 <br>Open-Total Qualified Assets Post-Close amount is '$-220849.5'. Assets are Insufficient. Provide sufficient assets to support all closing costs required. - Due Diligence Vendor-12/12/2025 |  | Resolved-Gift letter was provided with wires that were in file confirming the transfer. - Due Diligence Vendor-12/15/2025<br>| Verified employment history exceeds guidelines - Borrower has been with current employer for > 2 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 691 and minimum allowed is 660. Required is 660 Borrower has 691 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854318 | xxxxxx D A | Closed | xxxxxx | 2025-12-12 13:58 | 2025-12-15 14:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-The full credit report pulled 30 days prior to loan closing can be considered as the gap credit report required. - Due Diligence Vendor-12/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. The Gap Report is required. - Due Diligence Vendor-12/12/2025 |  | Resolved-The full credit report pulled 30 days prior to loan closing can be considered as the gap credit report required. - Due Diligence Vendor-12/15/2025<br>| Verified employment history exceeds guidelines - Borrower has been with current employer for > 2 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 691 and minimum allowed is 660. Required is 660 Borrower has 691 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854341 | xxxxxx D A | Closed | xxxxxx | 2025-12-03 15:06 | 2025-12-30 13:49 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received escrow instructions reflecting EMD and final terms. - Due Diligence Vendor-12/30/2025 <br> Counter-Received proof of EMD and gift letter. Need Addendum to sales contract fully executed showing EMD is now $36900 (as it was written to be $36750) - Due Diligence Vendor-12/12/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Need Addendum to sales contract fully executed showing EMD is now $36900 (as it was written to be $36750) - Due Diligence Vendor-12/04/2025 |  | Resolved-Received escrow instructions reflecting EMD and final terms. - Due Diligence Vendor-12/30/2025<br>| Months Reserves exceed minimum required - We have 5.9 months of reserves - we needed 4 verified.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854341 | xxxxxx D A | Closed | xxxxxx | 2025-12-03 14:46 | 2025-12-15 19:06 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-12/16/2025 <br>Counter-Received Exhibit A. Please provide chain of documents to confirmed Exhibit A has been recorded with Deed of Trust. - Due Diligence Vendor-12/12/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attachment to mortgage - Due Diligence Vendor-12/04/2025 |  | Resolved-Legal description provided. - Due Diligence Vendor-12/16/2025<br>| Months Reserves exceed minimum required - We have 5.9 months of reserves - we needed 4 verified.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854341 | xxxxxx D A | Closed | xxxxxx | 2025-12-03 14:53 | 2025-12-12 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received Proof of proposed vesting. - Due Diligence Vendor-12/12/2025 <br>Counter-Prelim provided does not list the proposed insured. - Due Diligence Vendor-12/11/2025 <br>Counter-The title policy provided is not vested in the borrower's name. Please provided corrected title policy<br> - Due Diligence Vendor-12/10/2025 <br>Open-Title Document is missing Missing complete Title Commitment, along with acceptable Chain of Title - Due Diligence Vendor-12/03/2025 |  | Resolved-Received Proof of proposed vesting. - Due Diligence Vendor-12/12/2025<br>| Months Reserves exceed minimum required - We have 5.9 months of reserves - we needed 4 verified.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854341 | xxxxxx D A | Closed | xxxxxx | 2025-12-04 15:43 | 2025-12-10 16:16 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Gift letter provided. - Due Diligence Vendor-12/10/2025 <br>Open-Missing fully executed gift letter for $290559.00 gift at closing - Due Diligence Vendor-12/04/2025 |  | Resolved-Gift letter provided. - Due Diligence Vendor-12/10/2025<br>| Months Reserves exceed minimum required - We have 5.9 months of reserves - we needed 4 verified.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854343 | xxxxxx D A | Closed | xxxxxx | 2025-12-09 10:24 | 2025-12-18 12:27 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Received Policy dated at close with an effective date of xxxxxx - Due Diligence Vendor-12/18/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx Please provide HOI policy with an effective date no later than xxxxxx. - Due Diligence Vendor-12/11/2025 |  | Resolved-Received Policy dated at close with an effective date of xxxxxx - Due Diligence Vendor-12/18/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 28.77% max 50%. Required is 50 Borrower has 28.77<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 798; minimum score 660. Required is 660 Borrower has 798 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854343 | xxxxxx D A | Closed | xxxxxx | 2025-12-09 11:16 | 2025-12-18 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-12/18/2025 <br>Open-Missing Third Party Fraud Report Please provide Missing Third Party Fraud Report that includes OFAC and all required Exclusionary list reports. - Due Diligence Vendor-12/11/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-12/18/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 28.77% max 50%. Required is 50 Borrower has 28.77<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 798; minimum score 660. Required is 660 Borrower has 798 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854349 | xxxxxx D A B | Closed | xxxxxx | 2025-12-11 16:37 | 2025-12-22 07:15 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestation of no Required Affiliated Business Disclosure, Finding Resolved - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Buyer-12/18/2025 <br> Counter-Received email from client stating the ABA is on page 317 of file however, that ABA is for the broker. - Due Diligence Vendor-12/16/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-12/11/2025 |  | Resolved-Received attestation of no Required Affiliated Business Disclosure, Finding Resolved - Due Diligence Vendor-12/22/2025<br>| Months Reserves exceed minimum required - required 4 months borrower has 10.43 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 783 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854349 | xxxxxx D A B | Closed | xxxxxx | 2025-12-15 16:41 | 2025-12-19 11:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI with Borrowers name. - Due Diligence Vendor-12/19/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided HOI policy is not in the name of the borrower. Only reflects non-borrower's name - Due Diligence Vendor-12/15/2025 |  | Resolved-Received HOI with Borrowers name. - Due Diligence Vendor-12/19/2025<br>| Months Reserves exceed minimum required - required 4 months borrower has 10.43 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 783 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854444 | xxxxxx C B A | Closed | xxxxxx | 2025-11-24 23:23 | 2025-12-02 12:14 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Proof of the housing history provided. Prior loan open in xxxxxx with the first payment due xxxxxx. No prior liens listed. - Due Diligence Vendor-12/02/2025 <br> Counter-Clarification: Received statements for mtg opened xxxxxx-missing complete 12 month housing history. (confirmation subject was owned free and clear) - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Could you please provide a more specific explanation of the condition? This is a cash-out file, and all Mortgage statements, Insurance, and tax documents have been provided. Kindly reconsider the condition. - Seller-11/26/2025 <br> Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-11/25/2025 | Ready for Review-Could you please provide a more specific explanation of the condition? This is a cash-out file, and all Mortgage statements, Insurance, and tax documents have been provided. Kindly reconsider the condition. - Seller-11/26/2025<br>| Resolved-Proof of the housing history provided. Prior loan open in xxxxxx with the first payment due xxxxxx. No prior liens listed. - Due Diligence Vendor-12/02/2025 | Months Reserves exceed minimum required - 102.06mos reserves. Per guides, no reserves required.<br>Qualifying DTI below maximum allowed - Borr DTI 35.74%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 35.74<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 719. Per guide, a minimum score required 680. Required is 680 Borrower has 719 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854444 | xxxxxx C B A | Closed | xxxxxx | 2025-11-24 13:55 | 2025-11-24 13:55 | 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-11/24/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - 102.06mos reserves. Per guides, no reserves required.<br>Qualifying DTI below maximum allowed - Borr DTI 35.74%. Per guides, maximum DTI 49.99%. Required is 49.99 Borrower has 35.74<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 719. Per guide, a minimum score required 680. Required is 680 Borrower has 719 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 854447 | xxxxxx C A | Closed | xxxxxx | 2025-12-10 19:28 | 2025-12-24 16:44 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Receive Wire Receipt. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-12/23/2025 <br>Counter-No document received. Missing evidence of transfer or receipt of gift funds. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-please elaborate - Seller-12/17/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. please see attached - Seller-12/23/2025 <br>Ready for Review-please elaborate - Seller-12/17/2025<br>| Resolved-Receive Wire Receipt. - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742 Required is 680 Borrower has 742<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.05 Required is 49.99 Borrower has 29.05 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854447 | xxxxxx C A | Closed | xxxxxx | 2025-12-10 19:28 | 2025-12-24 16:44 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Receive Wire Receipt. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. Please see attached wire receipt - Seller-12/23/2025 <br>Counter-No document received. Missing evidence of transfer or receipt of gift funds. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Please elaborate - Seller-12/17/2025 <br>Open-Asset Record 3 Does Not Meet G/L Requirements - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Please see attached wire receipt - Seller-12/23/2025 <br>Ready for Review-Please elaborate - Seller-12/17/2025<br>| Resolved-Receive Wire Receipt. - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742 Required is 680 Borrower has 742<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.05 Required is 49.99 Borrower has 29.05 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854448 | xxxxxx C B A | Closed | xxxxxx | 2025-11-26 19:36 | 2025-12-05 15:01 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, the loan file contained all required security instrument documentation. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-page 346 in closing package. please waive the condition - Seller-12/04/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Ex A, Legal - Due Diligence Vendor-11/27/2025 | Ready for Review-page 346 in closing package. please waive the condition - Seller-12/04/2025<br>| Resolved-Upon further review, the loan file contained all required security instrument documentation. - Due Diligence Vendor-12/05/2025<br>| Months Reserves exceed minimum required - 9.65mos reserves. Per guides, 4 reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 689. Per guide, a minimum score required 660. Required is 660 Borrower has 689 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854448 | xxxxxx C B A | Closed | xxxxxx | 2025-11-26 19:44 | 2025-11-26 19:44 | 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-11/27/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/27/2025<br>| Months Reserves exceed minimum required - 9.65mos reserves. Per guides, 4 reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 689. Per guide, a minimum score required 660. Required is 660 Borrower has 689 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 854455 | xxxxxx C B A | Closed | xxxxxx | 2025-12-10 15:17 | 2025-12-30 09:43 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Payment ledger provided confirming the rental payments have been on time for the last 5 years. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Counter-Received duplicate VOR. All questions are not answered. Is rent in arrears? Number of 30 lates? Is account Satisfactory? etc - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Open-Housing History Does Not Meet Guideline Requirements VOR in file reflects rental start date of 12/01/19 and borrower's monthly rent amount and as of the VOR they or current. No information provided for the prior 12 months. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/12/2025<br>| Resolved-Payment ledger provided confirming the rental payments have been on time for the last 5 years. - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - minimum required FICO score is 680 - actual FICO score is 796. Required is 680 Borrower has 796<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 49.99% - actual DTI is 33.04%. Required is 49.99 Borrower has 33.04 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854455 | xxxxxx C B A | Closed | xxxxxx | 2025-12-08 13:27 | 2025-12-08 14:26 | 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-12/08/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - minimum required FICO score is 680 - actual FICO score is 796. Required is 680 Borrower has 796<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 49.99% - actual DTI is 33.04%. Required is 49.99 Borrower has 33.04 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 854483 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854485 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854487 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854492 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854493 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854496 | xxxxxx C A | Closed | xxxxxx | 2025-12-15 07:59 | 2025-12-17 11:04 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received VOR - Due Diligence Vendor-12/17/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Housing History Does Not Meet Guideline Requirements . Missing VOR for borrowers departure residence. - Due Diligence Vendor-12/15/2025 |  | Resolved-Received VOR - Due Diligence Vendor-12/17/2025<br>| Qualifying DTI below maximum allowed - DTI is 40.87% and max allowed is 50% Required is 50 Borrower has 40.87<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 709 and minimum allowed is 660. Required is 660 Borrower has 709 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854496 | xxxxxx C A | Closed | xxxxxx | 2025-12-15 07:49 | 2025-12-17 11:03 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR - Due Diligence Vendor-12/17/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOR for borrowers departure residence. First-Time Homebuyer: Rental history must be evidenced by a Verification of Rent (VOR from either<br> management company or private) or canceled checks for the past 12 months. - Due Diligence Vendor-12/15/2025 |  | Resolved-Received VOR - Due Diligence Vendor-12/17/2025<br>| Qualifying DTI below maximum allowed - DTI is 40.87% and max allowed is 50% Required is 50 Borrower has 40.87<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 709 and minimum allowed is 660. Required is 660 Borrower has 709 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854504 | xxxxxx D B A | Closed | xxxxxx | 2025-12-19 16:14 | 2025-12-24 10:35 | 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-12/24/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. TRID: Missing Final Closing Disclosure Missing second half of closing cost details - Due Diligence Vendor-12/19/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/24/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854504 | xxxxxx D B A | Closed | xxxxxx | 2025-12-19 12:03 | 2025-12-24 10:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-12/24/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/19/2025 |  | Resolved-Received fraud report. - Due Diligence Vendor-12/24/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854504 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 13:54 | 2025-12-24 07:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/24/2025 <br>Open-TRID: Missing Final Closing Disclosure Missing second half of closing cost details - Due Diligence Vendor-12/17/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/24/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854504 | xxxxxx D B A | Closed | xxxxxx | 2025-12-17 14:21 | 2025-12-24 07:46 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved----Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-12/24/2025 <br> Open------Zero (0%) tolerance fees increased by $75.00 (appraisal fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $75.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - X Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-12/17/2025 |  | Resolved----Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-12/24/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854504 | xxxxxx D B A | Closed | xxxxxx | 2025-12-19 12:25 | 2025-12-19 16:24 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-12/19/2025 <br> Open-EXCEPTION in file Business is owned by trust which the borrower and spouse are xxxxxx. The owner of xxxxxx xxxxxx, LLC is a trust but the borrower has 100%ownershiip of the trust and is the only xxxxxx - Due Diligence Vendor-12/19/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704<br>LTV is less than guideline maximum - Required is 80 Borrower has 65 | Decreasing housing expense<br> Strong Savings Patter<br> Minimal debt user<br> Income not used to qualify<br> Cash reserves | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 854507 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854509 | xxxxxx C B A | Closed | xxxxxx | 2025-12-02 08:26 | 2025-12-09 11:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-The request for an exception to eligibility criteria is granted for multiple ADU's. non - material with compfactors - Due Diligence Vendor-12/09/2025 <br>Open-Multiple ADUs not permitted. Lender exception in file. - Due Diligence Vendor-12/02/2025 |  | Waived-The request for an exception to eligibility criteria is granted for multiple ADU's. non - material with compfactors - Due Diligence Vendor-12/09/2025<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 807 | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - Credit Score 30+ points > minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 854509 | xxxxxx C B A | Closed | xxxxxx | 2025-11-26 14:12 | 2025-11-26 14:12 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Comment: Client waiver applied to non-material Findings. - Due Diligence Vendor-11/26/2025 |  | Waived-Required Affiliated Business Disclosure Missing Comment: Client waiver applied to non-material Findings. - Due Diligence Vendor-11/26/2025<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 807 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 854515 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854558 | xxxxxx B A | Closed | xxxxxx | 2025-12-18 15:44 | 2025-12-22 08:45 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-12/22/2025 <br>Open-Missing Approval/Underwriting Summary Missing Approval/1008 - Due Diligence Vendor-12/18/2025 |  | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 804 Required is 680 Borrower has 804<br>Qualifying DTI below maximum allowed - DTI well below max allowable Required is 50 Borrower has 16.62 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 854603 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854632 | xxxxxx C A | Closed | xxxxxx | 2025-12-09 18:18 | 2025-12-17 08:26 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-----Received notification fee was Compensation. Finding Resolved. - Due Diligence Vendor-12/17/2025 <br>Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-12/09/2025 |  | Resolved-----Received notification fee was Compensation. Finding Resolved. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 688. Required is 660 Borrower has 688<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 31.63. Required is 50 Borrower has 31.63 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854633 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854634 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854637 | xxxxxx C B A | Closed | xxxxxx | 2025-12-16 13:01 | 2025-12-18 13:58 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-12/16/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-12/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 754 Required is 700 Borrower has 754<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.93 Required is 50 Borrower has 41.93<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 854659 | xxxxxx C A | Closed | xxxxxx | 2025-12-11 08:03 | 2025-12-22 10:32 | Resolved | 1 - Information C A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received Property Tax Information reflect paid prior to close. - Due Diligence Vendor-12/22/2025 <br> Open-The subject property is not current on taxes. Title reflects taxes of xxxxxx are delinquent as of 11/30/2025. Subject loan closed on xxxxxx. CD does not reflect taxes were paid in full at closing. - Due Diligence Vendor-12/11/2025 |  | Resolved-Received Property Tax Information reflect paid prior to close. - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 790. Required is 680 Borrower has 790<br>LTV is less than guideline maximum - Required is 80. Borrower has 72.94. Required is 80 Borrower has 72.94<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 28.71. Required is 50 Borrower has 28.71 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854669 | xxxxxx C A | Closed | xxxxxx | 2025-12-03 16:41 | 2026-01-12 09:35 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Purchase Contract is not partially provided. - Due Diligence Vendor-01/12/2026 <br>Resolved-Received Addendum - Due Diligence Vendor-12/09/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Addendum 4 not in file. - Due Diligence Vendor-12/03/2025 |  | Resolved-Purchase Contract is not partially provided. - Due Diligence Vendor-01/12/2026 <br>Resolved-Received Addendum - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 717<br>LTV is less than guideline maximum - Required is 90 Borrower has 19.82 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854670 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854672 | xxxxxx B A | Closed | xxxxxx | 2025-12-03 10:43 | 2025-12-15 14:05 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-12/15/2025 <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-12/15/2025 |  | Resolved-HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-12/15/2025 | Months Reserves exceed minimum required - 0 months reserves required, borrower has 64 months. <br> Qualifying DTI below maximum allowed - DTI Required is 50 Borrower has 37.07 Required is 50 Borrower has 37.07 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854672 | xxxxxx B A | Closed | xxxxxx | 2025-12-03 10:26 | 2025-12-03 10:47 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing ----- Originator waiver applied to non-material findings. - Due Diligence Vendor-12/03/2025 |  | Waived-Initial Escrow Account Disclosure is Missing ----- Originator waiver applied to non-material findings. - Due Diligence Vendor-12/03/2025 | Months Reserves exceed minimum required - 0 months reserves required, borrower has 64 months. <br> Qualifying DTI below maximum allowed - DTI Required is 50 Borrower has 37.07 Required is 50 Borrower has 37.07 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 854766 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854773 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854845 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854847 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854852 | xxxxxx B A | Closed | xxxxxx | 2025-12-02 17:04 | 2025-12-02 17:06 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material findings. - Due Diligence Vendor-12/02/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material findings. - Due Diligence Vendor-12/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 660 - actual FICO score is 770. Required is 660 Borrower has 770<br> Qualifying DTI below maximum allowed - Maximum LTV allowed is 50% - actual LTV is 32.46. Required is 50 Borrower has 32.46 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 854853 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854854 | xxxxxx D A | Closed | xxxxxx | 2025-12-04 15:23 | 2025-12-16 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received REO documentation. - Due Diligence Vendor-12/16/2025 <br> Counter-Received HOI and Note. Missing Taxes and xxxxxx calculate PITIA for REO. - Due Diligence Vendor-12/12/2025 <br> Open-Provide HOI for xxxxxx and new payment information for recent refinance of xxxxxx, additional findings may apply. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received REO documentation. - Due Diligence Vendor-12/16/2025<br>| LTV is less than guideline maximum - Maximum LTVis 80%. Subject LTV is 75%. Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680. Borrower's qualifying FICO is 704. Required is 680 Borrower has 704 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854854 | xxxxxx D A | Closed | xxxxxx | 2025-12-03 15:57 | 2025-12-10 16:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud report provided. - Due Diligence Vendor-12/10/2025 <br> Open-Missing Third Party Fraud Report. - Due Diligence Vendor-12/03/2025 |  | Resolved-Fraud report provided. - Due Diligence Vendor-12/10/2025<br>| LTV is less than guideline maximum - Maximum LTVis 80%. Subject LTV is 75%. Required is 80 Borrower has 75<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680. Borrower's qualifying FICO is 704. Required is 680 Borrower has 704 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854855 | xxxxxx D A | Closed | xxxxxx | 2025-12-04 14:43 | 2025-12-16 11:42 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing income documentation. - Due Diligence Vendor-12/16/2025 <br> Open-Missing - Departing Rental Income - Executed lease agreement, Security deposit and 1st month's rent or Appraisal 1007 - Due Diligence Vendor-12/04/2025 |  | Resolved-Received missing income documentation. - Due Diligence Vendor-12/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 731<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.89 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854855 | xxxxxx D A | Closed | xxxxxx | 2025-12-04 14:34 | 2025-12-16 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-12/16/2025 <br> Open-Borrower 1 Lease Agreements Missing Per guides - Departing Rental Income requires executed lease agreement, Security deposit and 1st month's rent or Appraisal 1007. Provide items to use income. Additional conditions lay apply.<br> - Due Diligence Vendor-12/04/2025 |  | Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-12/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 731<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.89 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854856 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854859 | xxxxxx D B A | Closed | xxxxxx | 2025-12-02 16:02 | 2026-01-12 10:28 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ------Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/02/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ------Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/02/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.58<br> LTV is less than guideline maximum - Required is 75 Borrower has 70<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 854859 | xxxxxx D B A | Closed | xxxxxx | 2025-12-04 02:25 | 2026-01-09 13:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Demand for Tax Lien and CD reflecting paid. - Due Diligence Vendor-01/09/2026 <br> Open-Fraud Report Shows Uncleared Alerts Missing documentation showing that that the state tax lien noted on PDF 167 was released. Underwriter cert (PDF 184) notes lien released but missing evidence of release. Additional findings may apply since state tax lien would require payment. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received Demand for Tax Lien and CD reflecting paid. - Due Diligence Vendor-01/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.58<br> LTV is less than guideline maximum - Required is 75 Borrower has 70<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854859 | xxxxxx D B A | Closed | xxxxxx | 2025-12-04 01:56 | 2025-12-16 11:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received LOE - Due Diligence Vendor-12/16/2025 <br> Open-Missing LOX regarding any relationship between borrower and loan originator who share same last name. Additional findings may apply. - Due Diligence Vendor-12/04/2025 |  | Resolved-Received LOE - Due Diligence Vendor-12/16/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.58<br> LTV is less than guideline maximum - Required is 75 Borrower has 70<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854861 | xxxxxx C A | Closed | xxxxxx | 2025-12-17 09:07 | 2025-12-23 13:47 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received CD and supporting documentation for new purchase and PITIA - Due Diligence Vendor-12/23/2025 <br> Counter-Credit supplement for xxxxxx provided. Please provide payment history for xxxxxx - Due Diligence Vendor-12/18/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing mortgage history for property xxxxxx. Guides: When any mortgage account is not listed on the credit report, VOM or equivalent is needed such as - 12 months cancelled checks, ACH payments, bank transfer/wire, electronic payments, OR - 12 months mortgage statements, OR<br> - 12 months loan payment history from creditor/servicer, plus proof of borrower's payment for the<br> most recent 6 months. - Due Diligence Vendor-12/17/2025 |  | Resolved-Received CD and supporting documentation for new purchase and PITIA - Due Diligence Vendor-12/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 739<br> Long term residence - Long Term Residence = 5+ years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854861 | xxxxxx C A | Closed | xxxxxx | 2025-12-17 09:30 | 2025-12-23 13:34 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-12/23/2025 <br> Open-LOX for credit inquiries is missing. Missing from loan file - Due Diligence Vendor-12/17/2025 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 739<br> Long term residence - Long Term Residence = 5+ years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854861 | xxxxxx C A | Closed | xxxxxx | 2025-12-17 09:38 | 2025-12-17 15:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Additional gift verified. - Due Diligence Vendor-12/17/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Total available funds are $236,431.5, required reserves are $25,231.59. Funds required to close are $237,524.19, resulting in -$1092.69<br>- Due Diligence Vendor-12/17/2025 |  | Resolved-Additional gift verified. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 739<br> Long term residence - Long Term Residence = 5+ years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854861 | xxxxxx C A | Closed | xxxxxx | 2025-12-17 09:26 | 2025-12-17 15:33 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Additional gift verified. - Due Diligence Vendor-12/17/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-1092.69'. Assets are Insufficient. Total available funds are $236,431.5, required reserves are $25,231.59. Funds required to close are $237,524.19, resulting in -$1092.69. Final 1003 reflects $70,000 for gift funds, however only $40,000 was verified. - Due Diligence Vendor-12/17/2025 |  | Resolved-Additional gift verified. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 739<br> Long term residence - Long Term Residence = 5+ years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854926 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854933 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854937 | xxxxxx D A | Closed | xxxxxx | 2025-12-04 16:03 | 2025-12-17 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA and tax verification for xxxxxx - Due Diligence Vendor-12/17/2025 <br> Counter-No document provided. Missing HOA and Taxes for property xxxxxx - Due Diligence Vendor-12/12/2025 <br> Open-REO missing HOA, Taxes - Due Diligence Vendor-12/04/2025 |  | Resolved-Received HOA and tax verification for xxxxxx. - Due Diligence Vendor-12/17/2025 | Months Reserves exceed minimum required - 15 mos reserves exceeds min 4 months per guides<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854937 | xxxxxx D A | Closed | xxxxxx | 2025-12-04 16:30 | 2025-12-12 15:53 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008.<br> - Due Diligence Vendor-12/12/2025 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-12/04/2025 |  | Resolved-Received 1008.<br> - Due Diligence Vendor-12/12/2025<br>| Months Reserves exceed minimum required - 15 mos reserves exceeds min 4 months per guides<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854938 | xxxxxx C B A | Closed | xxxxxx | 2025-12-10 16:24 | 2025-12-30 13:44 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing credit documentation. - Due Diligence Vendor-12/30/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Possible undisclosed mtg on brws departure residence (property is marked as free and clear on 1003 but a lien is reflected on the HOI dec page). Waiting on clarification before verifying QM status. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received missing credit documentation. - Due Diligence Vendor-12/30/2025<br>| Months Reserves exceed minimum required - 4 mos required and 7 mos verified.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 796. Required is 680 Borrower has 796 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854938 | xxxxxx C B A | Closed | xxxxxx | 2025-12-10 16:06 | 2025-12-30 13:43 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received Documentation to support primary Mortgage is paid by a third party. - Due Diligence Vendor-12/30/2025 <br> Open-Income and Employment Do Not Meet Guidelines Borrower's departure residence, xxxxxx has no mtg tied to it on the 1003 but the HOI dec page provided shows a lien that is not reporting on credit- xxxxxx. Additional clarification required if property is not free and clear or an updated dec page required no longer reflecting this mortgagee.<br>If the borrower is on Title only of the primary residence and mortgage obligation is under a third party, 12-month mortgage rating and 6 month payment proof is required. (Note: Mortgage Note required if omitting liability). Additional conditions may apply. - Due Diligence Vendor-12/10/2025 |  | Resolved-Received Documentation to support primary Mortgage is paid by a third party. - Due Diligence Vendor-12/30/2025<br>| Months Reserves exceed minimum required - 4 mos required and 7 mos verified.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 796. Required is 680 Borrower has 796 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854938 | xxxxxx C B A | Closed | xxxxxx | 2025-12-09 15:27 | 2025-12-09 18:20 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-12/09/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings - Due Diligence Vendor-12/09/2025 | Months Reserves exceed minimum required - 4 mos required and 7 mos verified.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 796. Required is 680 Borrower has 796 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 854946 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854947 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854952 | xxxxxx D A | Closed | xxxxxx | 2025-12-10 11:12 | 2025-12-15 19:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate was provided. - Due Diligence Vendor-12/16/2025 <br> Open-Missing Flood Certificate Flood certification is missing from the loan file. - Due Diligence Vendor-12/10/2025 |  | Resolved-Flood Certificate was provided. - Due Diligence Vendor-12/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 718. Required is 660 Borrower has 718<br> Qualifying DTI below maximum allowed - Required is 50. Borrower has 27.82. Required is 50 Borrower has 27.82 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854955 | xxxxxx C A | Closed | xxxxxx | 2025-12-10 15:10 | 2025-12-17 08:29 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/17/2025 <br> Open------ Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply - Due Diligence Vendor-12/10/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/17/2025<br>| Qualifying DTI below maximum allowed - Required is 45 Borrower has 23.91 Required is 45 Borrower has 23.91<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 420 Borrower has 769 Required is 420 Borrower has 769 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854957 | xxxxxx C A | Closed | xxxxxx | 2025-12-23 13:10 | 2025-12-30 13:56 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Note, borrower is not responsible. - Due Diligence Vendor-12/30/2025 <br> Open-Fraud Report Shows Uncleared Alerts 1. 1003 reflects the Brws rental- xxxxxx- is owned free and clear but the property profile and xxxxxx show the home was purchased by Brw and spouse in xxxxxx with a conventional mtg for xxxxxx. This mtg is not appearing on credit (as open or clsd). Verification this mtg is now satisfied or solely in the spouses name is required to ensure no undisclosed mtg debt for brw.<br> 2. Proof tax lien showing on fraud report for xxxxxx is paid and released <br> - Due Diligence Vendor-12/23/2025 |  | Resolved-Received Note, borrower is not responsible. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.4 Required is 50 Borrower has 34.4<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 705 Required is 640 Borrower has 705<br> LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854957 | xxxxxx C A | Closed | xxxxxx | 2025-12-23 12:14 | 2025-12-30 13:54 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received lease agreement, departing residence is in the name of the spouse only. - Due Diligence Vendor-12/30/2025 <br> Open-Housing History Does Not Meet Guideline Requirements LOE from Brws spouse states Brw lives rent free in her home located at xxxxxx but this home is currently owned by xxxxxx Provide verification xxxxxx owns this property or is leasing in her individual name to ensure no housing payments are owed by Brw. - Due Diligence Vendor-12/23/2025 |  | Resolved-Received lease agreement, departing residence is in the name of the spouse only. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.4 Required is 50 Borrower has 34.4<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 705 Required is 640 Borrower has 705<br> LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854958 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854959 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854960 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 09:48 | 2025-12-19 11:52 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received flood cert. - Due Diligence Vendor-12/19/2025 <br> Open-Flood Certification Date is greater than xxxxxx Provide flood certificate dated xxxxxx which is note date. - Due Diligence Vendor-12/12/2025 |  | Resolved-Received flood cert. - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 813<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.68 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854960 | xxxxxx C A | Closed | xxxxxx | 2025-12-12 09:48 | 2025-12-18 12:02 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Upon further review disbursement date is xxxxxx - Due Diligence Vendor-12/18/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Provide evidence of Hazard insurance effective xxxxxx which is note date. - Due Diligence Vendor-12/12/2025 |  | Resolved-Upon further review disbursement date is xxxxxx - Due Diligence Vendor-12/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 813<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.68 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854962 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854968 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 854971 | xxxxxx C A | Closed | xxxxxx | 2025-12-09 13:01 | 2025-12-18 12:00 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Large deposit backed out of assets per client. - Due Diligence Vendor-12/18/2025 <br> Counter-Received Explanation. Missing proof of large deposit to confirm source is not additional debt. - Due Diligence Vendor-12/12/2025 <br> Open-Missing source of funds for deposit $9873.74 11/10 to xxxxxx. Per guidelines - Non-Permanent Resident large deposit greater than 100% of the borrower's qualifying income <br> must be sourced. - Due Diligence Vendor-12/09/2025 |  | Resolved-Large deposit backed out of assets per client. - Due Diligence Vendor-12/18/2025<br>| Months Reserves exceed minimum required - 12mos reserves exceeds 4 mos per guides<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 784 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854971 | xxxxxx C A | Closed | xxxxxx | 2025-12-09 13:00 | 2025-12-16 11:22 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received Gift Letter. - Due Diligence Vendor-12/16/2025 <br> Open-Missing gift letter for $25000 from xxxxxx dated 11/7/2025 - Due Diligence Vendor-12/09/2025 |  | Resolved-Received Gift Letter. - Due Diligence Vendor-12/16/2025<br>| Months Reserves exceed minimum required - 12mos reserves exceeds 4 mos per guides<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 784 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854972 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854974 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 17:41 | 2025-12-18 11:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-12/18/2025 <br> Open-Borrower 1 Gap Credit Report is Missing The guidelines state a credit refresh is required no more than 10 days prior to loan closing or at any time after closing. The credit refresh is missing from the loan file. - Due Diligence Vendor-12/15/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 756 Required is 660 Borrower has 756<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 32.95. Required is 50 Borrower has 32.95 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854978 | xxxxxx C A | Closed | xxxxxx | 2025-12-29 09:03 | 2026-01-02 10:06 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-Received security instrument reflecting witness signature. - Due Diligence Vendor-01/02/2026 <br> Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. Missing required witness signature(s). (signature cannot be the Notary as a witness). - Due Diligence Vendor-12/29/2025 |  | Resolved-Received security instrument reflecting witness signature. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 802 and minimum allowed is 660. Required is 660 Borrower has 802<br>Qualifying DTI below maximum allowed - DTI is 41.09% and max allowed is 50% Required is 50 Borrower has 41.1 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854978 | xxxxxx C A | Closed | xxxxxx | 2025-12-29 08:26 | 2026-01-02 10:04 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Upon further review, the loan file contained all required purchase contract documentation. - Due Diligence Vendor-01/02/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing copy of the Purchase Agreement Addendum reflecting seller credit in the amount of $6,000, - Due Diligence Vendor-12/29/2025 |  | Resolved-Upon further review, the loan file contained all required purchase contract documentation. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 802 and minimum allowed is 660. Required is 660 Borrower has 802<br>Qualifying DTI below maximum allowed - DTI is 41.09% and max allowed is 50% Required is 50 Borrower has 41.1 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854979 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854984 | xxxxxx B A | Closed | xxxxxx | 2025-11-25 15:12 | 2025-11-25 15:12 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/25/2025<br>| Qualifying DTI below maximum allowed - Max is 49.99%, Borrower has 44.14% Required is 49.99 Borrower has 44.14<br> Qualifying FICO score is at least 20 points above minimum for program - Min required is 680, Borrower has 780 Required is 680 Borrower has 780 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 854990 | xxxxxx D A | Closed | xxxxxx | 2025-12-19 18:17 | 2025-12-24 16:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-12/22/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-12/22/2025 | Resolved-Received credit refresh. - Due Diligence Vendor-12/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 43.83 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 854995 | xxxxxx C B A | Closed | xxxxxx | 2025-12-09 13:54 | 2025-12-30 18:04 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-12/27/2025 <br> Counter-Fraud report provided, however there are high alerts that have not been addressed. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Docs attached - Seller-12/18/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists for the Seller. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-12/27/2025 <br>Ready for Review-Document Uploaded. Docs attached - Seller-12/18/2025<br>| Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 680 Required is 680 Borrower has 736<br>Qualifying DTI below maximum allowed - DTI is 37.44% and max allowed is 49.99% Required is 49.99 Borrower has 37.44 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854995 | xxxxxx C B A | Closed | xxxxxx | 2025-12-09 13:54 | 2025-12-30 18:04 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud with all parties. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Docs attached - Seller-12/18/2025 <br> Open-OFAC Check Not Completed and/or Cleared for the Seller. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Docs attached - Seller-12/18/2025<br>| Resolved-Received Fraud with all parties. - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 680 Required is 680 Borrower has 736<br>Qualifying DTI below maximum allowed - DTI is 37.44% and max allowed is 49.99% Required is 49.99 Borrower has 37.44 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854995 | xxxxxx C B A | Closed | xxxxxx | 2025-12-10 17:27 | 2025-12-19 16:01 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received revised 1003 - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Post 1003 attached - Seller-12/18/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Per Deed of Trust Borrower is a Single Man, Per loan Application and Title borrower is Married. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. Post 1003 attached - Seller-12/18/2025<br>| Resolved-Received revised 1003 - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 680 Required is 680 Borrower has 736<br>Qualifying DTI below maximum allowed - DTI is 37.44% and max allowed is 49.99% Required is 49.99 Borrower has 37.44 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854995 | xxxxxx C B A | Closed | xxxxxx | 2025-12-10 17:29 | 2025-12-12 09:20 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-12/12/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Provide evidence of gift deposit for 35,000. Missing Evidence of Receipt of Transfer of Funds. - Due Diligence Vendor-12/10/2025 |  | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 680 Required is 680 Borrower has 736<br>Qualifying DTI below maximum allowed - DTI is 37.44% and max allowed is 49.99% Required is 49.99 Borrower has 37.44 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854995 | xxxxxx C B A | Closed | xxxxxx | 2025-12-10 17:34 | 2025-12-12 09:20 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is sufficient based on the type of subject lien per escrow closing instructions - Due Diligence Vendor-12/12/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide updated Title commitment with sufficient coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-12/10/2025 |  | Resolved-Title Coverage Amount of xxxxxx is sufficient based on the type of subject lien per escrow closing instructions - Due Diligence Vendor-12/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 680 Required is 680 Borrower has 736<br>Qualifying DTI below maximum allowed - DTI is 37.44% and max allowed is 49.99% Required is 49.99 Borrower has 37.44 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854995 | xxxxxx C B A | Closed | xxxxxx | 2025-12-08 17:08 | 2025-12-08 17:10 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/08/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 680 Required is 680 Borrower has 736<br>Qualifying DTI below maximum allowed - DTI is 37.44% and max allowed is 49.99% Required is 49.99 Borrower has 37.44 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 855000 | xxxxxx D A | Closed | xxxxxx | 2025-12-12 12:16 | 2025-12-19 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Received confirmation rental income is not considered in qualifying. - Due Diligence Vendor-12/19/2025 <br> Open-Missing rent comparable schedule form 1007 and appraisal reflects the property is tenant occupied. - Due Diligence Vendor-12/15/2025 |  | Resolved-Received confirmation rental income is not considered in qualifying. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - DTI 28.77% max permitted 50%. Required is 50 Borrower has 28.77<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 809 minimum score 660. Required is 660 Borrower has 809 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855000 | xxxxxx D A | Closed | xxxxxx | 2025-12-12 13:31 | 2025-12-19 11:46 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Trust Cert. - Due Diligence Vendor-12/19/2025 <br> Open-Property Title Issue Provide Trust cert xxxxxx xxxxxx and xxxxxx, as xxxxxx of the xxxxxx & xxxxxx, dated xxxxxx - Due Diligence Vendor-12/15/2025 |  | Resolved-Received Trust Cert. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - DTI 28.77% max permitted 50%. Required is 50 Borrower has 28.77<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 809 minimum score 660. Required is 660 Borrower has 809 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855002 | xxxxxx D A | Closed | xxxxxx | 2025-11-26 19:39 | 2025-12-04 16:57 | Resolved | 1 - Information C A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-Received acceptable documentation for non arms length sale. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. According to the xxxxxx guideline, non–arm's length purchase transactions are permitted for existing real estate when the property is a primary residence. Since this is an owner-occupied purchase and none of the prohibited scenarios apply, the transaction is eligible. We respectfully request that the condition be cleared. - Seller-12/03/2025 <br> Ready for Review-Please refer to pages 56-67. - Seller-12/01/2025 <br> Open-Non-Arm's Length Transactions Not Allowed for Program Family Sale – 12-month mortgage history from the seller is required to confirm the transaction is not a foreclosure bailout. - Due Diligence Vendor-11/27/2025 | Ready for Review-Document Uploaded. According to the xxxxxx guideline, non–arm's length purchase transactions are permitted for existing real estate when the property is a primary residence. Since this is an owner-occupied purchase and none of the prohibited scenarios apply, the transaction is eligible. We respectfully request that the condition be cleared. - Seller-12/03/2025 <br> Ready for Review-Please refer to pages 56-67. - Seller-12/01/2025 | Resolved-Received acceptable documentation for non arms length sale. - Due Diligence Vendor-12/04/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 62.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 687 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855002 | xxxxxx D A | Closed | xxxxxx | 2025-11-25 18:33 | 2025-12-03 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Upon further review, escrow instructions in file. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Please refer to the pages 95-125. - Seller-12/03/2025 <br> Counter-Review is unable to locate escrow instructions - please provide. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-This is a for-sale-by-owner transaction. There are no agents involved. Please use the escrow instructions as the purchase contract. - Seller-12/01/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-11/25/2025 | Ready for Review-Please refer to the pages 95-125. - Seller-12/03/2025 <br> Ready for Review-This is a for-sale-by-owner transaction. There are no agents involved. Please use the escrow instructions as the purchase contract. - Seller-12/01/2025 | Resolved-Upon further review, escrow instructions in file. - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 62.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 687 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855005 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855007 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855008 | xxxxxx C B A | Closed | xxxxxx | 2025-12-04 20:36 | 2025-12-15 16:15 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Expired | Resolved-Received updated statement. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Please find the renewed policy. - Seller-12/12/2025 <br> Open-Asset 2 Expired Provided updated most recent assets statement for life insurance; used for reserves & listed on final 1003 - document has expired. Guidelines require asset documentation within 90 days of closing, which was xxxxxx. Life insurance statement dated xxxxxx. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Please find the renewed policy. - Seller-12/12/2025 | Resolved-Received updated statement. - Due Diligence Vendor-12/15/2025<br>| Qualifying DTI below maximum allowed - Required is 49.99. Borrower has 43.07.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660. Borrower's qualifying FICO is 781. Required is 660 Borrower has 781 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855008 | xxxxxx C B A | Closed | xxxxxx | 2025-12-01 16:31 | 2025-12-09 08:17 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved------Lender attestation, fee is lender paid broker compensation fee. Finding resolved. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-It's a lender paid broker compensation fee. Please waive this condition. - Seller-12/08/2025 <br> Open-Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-12/01/2025 | Ready for Review-It's a lender paid broker compensation fee. Please waive this condition. - Seller-12/08/2025 | Resolved------Lender attestation, fee is lender paid broker compensation fee. Finding resolved. - Due Diligence Vendor-12/09/2025<br>| Qualifying DTI below maximum allowed - Required is 49.99. Borrower has 43.07.<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660. Borrower's qualifying FICO is 781. Required is 660 Borrower has 781 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855008 | xxxxxx C B A | Closed | xxxxxx | 2025-12-01 14:28 | 2025-12-01 14:28 | 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-12/01/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/01/2025<br>| Qualifying DTI below maximum allowed - Required is 49.99. Borrower has 43.07.<br> Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660. Borrower's qualifying FICO is 781. Required is 660 Borrower has 781 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 855010 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855028 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855040 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855047 | xxxxxx B A | Closed | xxxxxx | 2025-12-02 16:10 | 2025-12-02 16:10 | 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-12/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727<br> Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 30.02 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 855048 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855053 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855080 | xxxxxx C A | Closed | xxxxxx | 2025-12-11 12:21 | 2025-12-16 10:53 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received PCCD reflecting the Gift of Equity. - Due Diligence Vendor-12/16/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing final CD that shows gift of equity funds reflected. Latest CD provided shows cash to close in the amount of the gift of equity. - Due Diligence Vendor-12/11/2025 |  | Resolved-Received PCCD reflecting the Gift of Equity. - Due Diligence Vendor-12/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 785<br> LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855085 | xxxxxx B A | Closed | xxxxxx | 2025-12-15 16:22 | 2025-12-15 17:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-12/15/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Exception for 2 months out of 12 months are paid in cash to document housing history: Non-Material Verified - Due Diligence Vendor-12/15/2025 |  | Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-12/15/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.33 Required is 50 Borrower has 38.33<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 803 Required is 660 Borrower has 803 | Credit Score 30+ points > minimum required<br> DTI <= 40% which is below requirement in guidelines<br> Reserves Reserves exceed requirement by 2 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 855089 | xxxxxx C B A | Closed | xxxxxx | 2025-12-13 07:56 | 2025-12-24 10:56 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-12/24/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-12/13/2025 |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-12/24/2025 | Months Reserves exceed minimum required - 16.85 months reserves; 3 months reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 727; guidelines require 700. Required is 700 Borrower has 727 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855089 | xxxxxx C B A | Closed | xxxxxx | 2025-12-13 08:25 | 2025-12-22 10:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-The request for an exception LTV eligibility criteria is granted - non-material, 5% variance<br> - Due Diligence Vendor-12/22/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70%. - Due Diligence Vendor-12/13/2025 |  | Waived-The request for an exception LTV eligibility criteria is granted - non-material, 5% variance<br> - Due Diligence Vendor-12/22/2025 | Months Reserves exceed minimum required - 16.85 months reserves; 3 months reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 727; guidelines require 700. Required is 700 Borrower has 727 | Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 855118 | xxxxxx D A | Closed | xxxxxx | 2025-12-29 09:10 | 2026-01-02 08:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/02/2026 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-12/29/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/02/2026 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 32.91. Required is 50 Borrower has 32.91<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 746. Required is 680 Borrower has 746 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855133 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 855180 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855252 | xxxxxx C A | Closed | xxxxxx | 2025-12-29 08:03 | 2026-01-02 10:25 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/02/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description Exhibit A - Due Diligence Vendor-12/29/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 691 Required is 660 Borrower has 691<br> Qualifying DTI below maximum allowed - Maximum allowable DTI is 50% - actual DTI is 11.26%. Required is 50 Borrower has 11.26 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855256 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855312 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855333 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 08:47 | 2025-12-31 11:42 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-12/29/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Client waiver applied to non-material Findings. - Due Diligence Vendor-12/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786<br> LTV is less than guideline maximum - Required is 70 Borrower has 49.38 Required is 70 Borrower has 49.38<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.68 Required is 50 Borrower has 18.68 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 855430 | xxxxxx C B A | Closed | xxxxxx | 2025-12-14 10:41 | 2026-01-02 08:25 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/02/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,424.50) exceed the comparable charges ($2,941.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Ten (10%) tolerance fees (funding,wire, or discbursement, document prep, title examination, lien/tax) increased by $2,941 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 $189.40, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitation 1 year. Expiration xxxxxx. - Due Diligence Vendor-12/14/2025 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/02/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 80<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.3 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 855430 | xxxxxx C B A | Closed | xxxxxx | 2025-12-14 10:41 | 2025-12-22 11:35 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received COC for increase in fee. Finding Resolved. - Due Diligence Vendor-12/22/2025 <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 $375.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by $375 (Appraisal) 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 $375, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year. Expiration xxxxxx.<br> - Due Diligence Vendor-12/14/2025 |  | Resolved-----Received COC for increase in fee. Finding Resolved. - Due Diligence Vendor-12/22/2025 | LTV is less than guideline maximum - Required is 85 Borrower has 80<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.3 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 855459 | xxxxxx C A | Closed | xxxxxx | 2025-12-15 13:55 | 2025-12-22 11:22 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-Upon further review, one witness is required, one can be the notary. - Due Diligence Vendor-12/22/2025 <br> Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. The mortgage does not reflect that two witnesses signed the mortgage as required in xxxxxx. - Due Diligence Vendor-12/15/2025 |  | Resolved-Upon further review, one witness is required, one can be the notary. - Due Diligence Vendor-12/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 754<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.6 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855581 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855593 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855608 | xxxxxx C A | Closed | xxxxxx | 2025-12-24 15:21 | 2026-01-02 10:42 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller CD. - Due Diligence Vendor-01/02/2026 <br> Open-The Final SELLER CD/HUD is missing. Seller CD not provided - Due Diligence Vendor-12/24/2025 |  | Resolved-Received Seller CD. - Due Diligence Vendor-01/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 701 Required is 680 Borrower has 701<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.63 Required is 50 Borrower has 38.63 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855632 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-16 10:45 | 2025-12-18 17:13 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received Internet Search. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. attached - Seller-12/17/2025 <br> Open-Missing - Business phone number verification via xxxxxx, 411.com or internet is required. Otherwise,<br> CPA must verify the borrower's nature of business and confirm that the business phone number is<br> not required for the type of business being operated by the borrower.<br> - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. attached - Seller-12/17/2025 | Resolved-Received Internet Search. - Due Diligence Vendor-12/18/2025 | Months Reserves exceed minimum required - 5.53 Months Reserves exceed 4 month minimum required<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855632 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-16 10:47 | 2025-12-18 17:12 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received legible Gift Letter - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. attached - Seller-12/17/2025 <br> Open-Provide legible gift letter - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. attached - Seller-12/17/2025 | Resolved-Received legible Gift Letter - Due Diligence Vendor-12/18/2025 | Months Reserves exceed minimum required - 5.53 Months Reserves exceed 4 month minimum required<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855632 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-15 22:51 | 2025-12-18 17:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Received legible copy of the Flood Cert - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Attached - Seller-12/17/2025 <br> Open-Flood Certificate is Partially Provided Flood Certificate is partially encrypted, provide legible copy - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. Attached - Seller-12/17/2025 | Resolved-Received legible copy of the Flood Cert - Due Diligence Vendor-12/18/2025 | Months Reserves exceed minimum required - 5.53 Months Reserves exceed 4 month minimum required<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855632 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-09 15:50 | 2025-12-18 07:26 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved------Received attestation fee is lender paid broker compensation. Finding resolved. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-It's a lender paid broker compensation fee. Please waive this condition. - Seller-12/17/2025 <br> Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-12/09/2025 | Ready for Review-It's a lender paid broker compensation fee. Please waive this condition. - Seller-12/17/2025 | Resolved------Received attestation fee is lender paid broker compensation. Finding resolved. - Due Diligence Vendor-12/18/2025 | Months Reserves exceed minimum required - 5.53 Months Reserves exceed 4 month minimum required<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855632 | xxxxxx D B A C | Closed | xxxxxx | 2025-12-09 14:09 | 2025-12-09 14:35 | 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-12/09/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings - Due Diligence Vendor-12/09/2025 | Months Reserves exceed minimum required - 5.53 Months Reserves exceed 4 month minimum required<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 855634 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 855646 | xxxxxx B A | Closed | xxxxxx | 2025-12-01 17:19 | 2025-12-01 17:19 | 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-12/01/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non+-material finding. - Due Diligence Vendor-12/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 793 Required is 680 Borrower has 793<br> Long term residence - Long Term Residence = 12+ years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 855721 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 855764 | xxxxxx C A | Closed | xxxxxx | 2025-12-23 10:24 | 2025-12-29 10:46 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title with sufficient coverage. - Due Diligence Vendor-12/29/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Preliminary Title Commitment reflects TBD for coverage. Provide commitment with actual title coverage amount. - Due Diligence Vendor-12/23/2025 |  | Resolved-Received Final Title with sufficient coverage. - Due Diligence Vendor-12/29/2025 | Qualifying DTI below maximum allowed - Required is 45. Borrower has 37.78. Required is 45 Borrower has 37.78<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 759. Required is 680 Borrower has 759 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855793 | xxxxxx D A | Closed | xxxxxx | 2025-12-15 16:15 | 2025-12-19 10:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-12/19/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide either Gap credit or UDM as required no more than 10 days prior to closing. Any new debt must be included in determining the DTI ratio - Due Diligence Vendor-12/15/2025 |  | Resolved-Received credit refresh. - Due Diligence Vendor-12/19/2025 | Qualifying DTI below maximum allowed - Borrower DTI is 42.67%, max allowed is 50% Required is 50 Borrower has 42.67<br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO required is 660, Borrower has 715 Required is 660 Borrower has 715 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855802 | xxxxxx C A | Closed | xxxxxx | 2025-12-18 12:36 | 2025-12-24 10:20 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received Initial Flood Cert. - Due Diligence Vendor-12/24/2025 <br> Open-Flood Certification Date is greater than xxxxxx Provide Flood certification that is dated xxxxxx or prior. - Due Diligence Vendor-12/18/2025 |  | Resolved-Received Initial Flood Cert. - Due Diligence Vendor-12/24/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.57<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 709<br> LTV is less than guideline maximum - Required is 85 Borrower has 79.95 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855802 | xxxxxx C A | Closed | xxxxxx | 2025-12-18 12:24 | 2025-12-24 10:18 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received 1004D - Due Diligence Vendor-12/24/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Provide 1004D as appraisal was subject to completion per plans and specs. - Due Diligence Vendor-12/18/2025 |  | Resolved-Received 1004D - Due Diligence Vendor-12/24/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.57<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 709<br> LTV is less than guideline maximum - Required is 85 Borrower has 79.95 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855809 | xxxxxx C A | Closed | xxxxxx | 2025-12-18 16:43 | 2025-12-24 15:39 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing credit documentation. - Due Diligence Vendor-12/23/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Property report shows borrower took out a mortgage on xxxxxx however the VOM provided shows origination date as of xxxxxx. Missing an additional six months pay history. - Due Diligence Vendor-12/18/2025 |  | Resolved-Received missing credit documentation. - Due Diligence Vendor-12/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 746<br> Months Reserves exceed minimum required - borrower needs 12 months; borrower has 20 months reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855809 | xxxxxx C A | Closed | xxxxxx | 2025-12-18 16:43 | 2025-12-24 15:39 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Received missing credit documentation. - Due Diligence Vendor-12/23/2025 <br> Open-The Originator QM Status is not the same as the Final QM Status. - Due Diligence Vendor-12/18/2025 |  | Resolved-Received missing credit documentation. - Due Diligence Vendor-12/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 746<br> Months Reserves exceed minimum required - borrower needs 12 months; borrower has 20 months reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855809 | xxxxxx C A | Closed | xxxxxx | 2025-12-18 16:02 | 2025-12-23 12:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, payment history was located in the loan file. - Due Diligence Vendor-12/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Property report shows borrower took out a mortgage on xxxxxx however the VOM provided shows origination date as of xxxxxx. Missing an additional six months pay history. - Due Diligence Vendor-12/18/2025 |  | Resolved-Upon further review, payment history was located in the loan file. - Due Diligence Vendor-12/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 746<br> Months Reserves exceed minimum required - borrower needs 12 months; borrower has 20 months reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856380 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856524 | xxxxxx B A | Closed | xxxxxx | 2025-12-23 10:22 | 2026-01-12 10:34 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/23/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/23/2025 | LTV is less than guideline maximum - Required is 70 Borrower has 64.98<br> Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.05 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | N/A | xxxxxx |
| 856524 | xxxxxx B A | Closed | xxxxxx | 2025-12-23 10:29 | 2025-12-23 10:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/23/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/23/2025 | LTV is less than guideline maximum - Required is 70 Borrower has 64.98<br> Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.05 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 856548 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856580 | xxxxxx C A | Closed | xxxxxx | 2025-12-22 15:12 | 2025-12-30 11:41 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage with legal description was provided. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Ex A; Legal - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025 | Resolved-Mortgage with legal description was provided. - Due Diligence Vendor-12/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 747<br> CLTV is less than guidelines maximum - Required is 80 Borrower has 71.83 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856628 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 856850 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856851 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 2000011307 | xxxxxx D A | Closed | xxxxxx | 2025-09-03 10:21 | 2025-09-18 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-After further review, all of the deposits are from the same source and in July 2024 deposits were less than average followed by an increase in deposits the following month. Excluding the deposits in 8/24, the DTI would be 20%. - Due Diligence Vendor-09/18/2025 <br> Counter-Deposits are not consistent-finding remains-Missing letter of explanation for significantly greater revenues in the month of August 2024 which are not consistent with the remainder of the deposit history. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-This is not needed you can tell by reading bank statement this is all insurance claims. - Seller-09/11/2025 <br> Open-Missing letter of explanation for significantly greater revenues in the month of August 2024 which are not consistent with the remainder fo the deposit history. - Due Diligence Vendor-09/03/2025 | Ready for Review-This is not needed you can tell by reading bank statement this is all insurance claims. - Seller-09/11/2025 | Resolved-After further review, all of the deposits are from the same source and in July 2024 deposits were less than average followed by an increase in deposits the following month. Excluding the deposits in 8/24, the DTI would be 20%. - Due Diligence Vendor-09/18/2025 | CLTV is less than guidelines maximum - Qualifying CLTV 54.21%; max 60%<br> Qualifying DTI below maximum allowed - Qualifying DTI 15.53%; max 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011307 | xxxxxx D A | Closed | xxxxxx | 2025-09-03 10:26 | 2025-09-15 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Note for 2nd lien dated xxxxxx - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Its wholesale ln xxxxxx - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Its wholesale ln xxxxxx - note attached - Seller-09/11/2025 <br> Open-Missing 2nd lien information for the borrower's primary residence for xxxxxx per month. Proof of satisfactory timely payment may be required pending on 1st payment date of new 2nd. Additional findings may apply. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Its wholesale ln xxxxxx - note attached - Seller-09/11/2025 | Resolved-Received Note for 2nd lien dated xxxxxx - Due Diligence Vendor-09/15/2025 | CLTV is less than guidelines maximum - Qualifying CLTV 54.21%; max 60%<br> Qualifying DTI below maximum allowed - Qualifying DTI 15.53%; max 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011307 | xxxxxx D A | Closed | xxxxxx | 2025-09-03 10:11 | 2025-09-10 10:03 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Surplus insurance policy required per guides | Resolved-After further review, the policy does not indicate there are any perils excluded and provides sufficient coverage. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Please clarify. Surplus insurance is not listed in guides. - Due Diligence Vendor-09/09/2025 <br> Open-Missing Surplus insurance policy required per guides. Current insurance provider to confirm that the dwelling coverage for both policies is sufficient to cover 100% of replacement costs, that no perils are excluded including any perils that the subject property may have a higher risk of due to its property location. Additional findings may apply. - Due Diligence Vendor-09/03/2025 |  | Resolved-After further review, the policy does not indicate there are any perils excluded and provides sufficient coverage. - Due Diligence Vendor-09/10/2025 | CLTV is less than guidelines maximum - Qualifying CLTV 54.21%; max 60%<br> Qualifying DTI below maximum allowed - Qualifying DTI 15.53%; max 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011504 | xxxxxx C B A | Closed | xxxxxx | 2025-10-31 12:30 | 2025-12-03 09:27 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review, the 1st lien payment was corrected to not included taxes and insurance. - Due Diligence Vendor-12/03/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI Exceeds maximum - Due Diligence Vendor-10/31/2025 |  | Resolved-After further review, the 1st lien payment was corrected to not included taxes and insurance. - Due Diligence Vendor-12/03/2025 | CLTV is less than guidelines maximum - Required is 80 Borrower has 74.88<br> Residual Income =/> 1.5 times $3,500 monthly residual income - $6k residual is greater than $5250<br> Long term residence - 10 years per URLA |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011504 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 16:45 | 2025-12-03 09:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-After further review, the 1st lien payment was corrected to not included taxes and insurance. - Due Diligence Vendor-12/03/2025 <br> Open-Audited DTI of 55.21% exceeds Guideline DTI of 50% The lender uses $1745.43 as the 1st payment amt per the 1003 and 1008 however the 1st payment amt is $2481.37 per the credit and mtg stmt - Due Diligence Vendor-10/30/2025 |  | Resolved-After further review, the 1st lien payment was corrected to not included taxes and insurance. - Due Diligence Vendor-12/03/2025 | CLTV is less than guidelines maximum - Required is 80 Borrower has 74.88<br> Residual Income =/> 1.5 times $3,500 monthly residual income - $6k residual is greater than $5250<br> Long term residence - 10 years per URLA |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011504 | xxxxxx C B A | Closed | xxxxxx | 2025-10-31 12:08 | 2025-11-04 11:07 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Addendum to title correcting loan amount provided. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-xxxxxx - Seller-11/04/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Missing title coverage. - Due Diligence Vendor-10/31/2025 | Ready for Review-xxxxxx - Seller-11/04/2025 | Resolved-Addendum to title correcting loan amount provided. - Due Diligence Vendor-11/04/2025 | CLTV is less than guidelines maximum - Required is 80 Borrower has 74.88<br> Residual Income =/> 1.5 times $3,500 monthly residual income - $6k residual is greater than $5250<br> Long term residence - 10 years per URLA |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011504 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 11:28 | 2025-10-30 13:04 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-10/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-10/30/2025 | CLTV is less than guidelines maximum - Required is 80 Borrower has 74.88<br> Residual Income =/> 1.5 times $3,500 monthly residual income - $6k residual is greater than $5250<br> Long term residence - 10 years per URLA |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011547 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-17 12:03 | 2025-11-25 12:45 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved------Received copy of signed Intent to Proceed. Finding Resolved. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. NOIP - Seller-11/21/2025 <br> Open-ITP is missing - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. NOIP - Seller-11/21/2025 | Resolved------Received copy of signed Intent to Proceed. Finding Resolved. - Due Diligence Vendor-11/25/2025 | LTV is less than guideline maximum - Required is 80 Borrower has 23.77<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011547 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-17 21:07 | 2025-11-20 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE is not required on a SE full doc loan. - Due Diligence Vendor-11/20/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE is missing from the loan file - Due Diligence Vendor-11/18/2025 |  | Resolved-VOE is not required on a SE full doc loan. - Due Diligence Vendor-11/20/2025 | LTV is less than guideline maximum - Required is 80 Borrower has 23.77<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011547 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-17 21:07 | 2025-11-20 15:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-CPA letter not required is a business bank statement is provided. - Due Diligence Vendor-11/20/2025 <br> Open-Borrower 1 CPA Letter Missing No CPA letter in the file - Due Diligence Vendor-11/18/2025 |  | Resolved-CPA letter not required is a business bank statement is provided. - Due Diligence Vendor-11/20/2025 | LTV is less than guideline maximum - Required is 80 Borrower has 23.77<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011547 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-17 12:00 | 2025-11-20 15:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-After further review, the borrower is an ITIN and the requirements have been met. - Due Diligence Vendor-11/20/2025 <br> Open-Borrower Citizenship Documentation Is Missing Borrower is a foreign national, documentation is missing. - Due Diligence Vendor-11/17/2025 |  | Resolved-After further review, the borrower is an ITIN and the requirements have been met. - Due Diligence Vendor-11/20/2025 | LTV is less than guideline maximum - Required is 80 Borrower has 23.77<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011547 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-17 20:14 | 2025-11-20 15:17 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Title indicated there have been no conveyances in the last 2 years. - Due Diligence Vendor-11/20/2025 <br> Open-Unsatisfactory Chain of Title provided. No chain of title exists - Due Diligence Vendor-11/18/2025 |  | Resolved-Title indicated there have been no conveyances in the last 2 years. - Due Diligence Vendor-11/20/2025 | LTV is less than guideline maximum - Required is 80 Borrower has 23.77<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011547 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-17 21:28 | 2025-11-20 15:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, the gap credit is on the fraud report. - Due Diligence Vendor-11/20/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Not found in the loan file - Due Diligence Vendor-11/18/2025 |  | Resolved-After further review, the gap credit is on the fraud report. - Due Diligence Vendor-11/20/2025 | LTV is less than guideline maximum - Required is 80 Borrower has 23.77<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011547 | xxxxxx D B A C | Closed | xxxxxx | 2025-11-17 11:16 | 2025-11-17 11:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/17/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/17/2025 | LTV is less than guideline maximum - Required is 80 Borrower has 23.77<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011552 | xxxxxx D A | Closed | xxxxxx | 2025-11-17 15:25 | 2025-11-21 11:22 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Upon further review, the loan file contained all required 24 months chain of title documentation. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. final title policy - Seller-11/19/2025 <br> Open-Unsatisfactory Chain of Title provided. Provide chain of title - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. final title policy - Seller-11/19/2025 | Resolved-Upon further review, the loan file contained all required 24 months chain of title documentation. - Due Diligence Vendor-11/21/2025 | LTV is less than guideline maximum - Required is 75 Borrower has 63.71<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 782 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011552 | xxxxxx D A | Closed | xxxxxx | 2025-11-17 15:25 | 2025-11-21 11:22 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. final title policy - Seller-11/19/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title docs provided show xxxxxx - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. final title policy - Seller-11/19/2025 | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-11/21/2025 | LTV is less than guideline maximum - Required is 75 Borrower has 63.71<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 782 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011552 | xxxxxx D A | Closed | xxxxxx | 2025-11-17 15:41 | 2025-11-21 11:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. flood cert - Seller-11/19/2025 <br> Open-Missing Flood Certificate Missing flood insurance - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. flood cert - Seller-11/19/2025 | Resolved-Received flood cert. - Due Diligence Vendor-11/21/2025 | LTV is less than guideline maximum - Required is 75 Borrower has 63.71<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 782 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011592 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011607 | xxxxxx C B A | Closed | xxxxxx | 2025-12-04 16:46 | 2025-12-11 08:13 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. No cure needed - valid COC - Seller-12/10/2025 <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 $6,470.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $$6,470.00 (Discount Points & xxxxxx) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $6,470, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. No cure needed - valid COC - Seller-12/10/2025 | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-12/11/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.93<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011607 | xxxxxx C B A | Closed | xxxxxx | 2025-12-04 15:39 | 2025-12-05 08:25 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-12/04/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-12/04/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.93<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |

---

## Exhibit 99.18

**EXHIBIT 99.18**

**clarifii rating agency grades summary report**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades Moody's** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** | **Final Property Loan Grades Moody's** | **Final Overall Loan Grades Moody's** |
| 834912 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 839669 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839816 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842444 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 844575 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 844641 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 844855 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844890 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844893 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845164 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 845234 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 845412 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 845511 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 845985 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 846175 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846388 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846468 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 846473 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846855 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 846893 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 846901 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 846929 | xxxxxx | xxxxxx C | C A | A C | C | C B | B A | A | A B | B |
| 846983 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847156 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847176 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 847536 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 847601 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847648 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 847733 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847737 | xxxxxx | xxxxxx D | N/A D | N/A C | N/A C D | N/A D | N/A | N/A | N/A | N/A |
| 847780 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848029 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 848164 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 848216 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 848294 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848416 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848419 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848421 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848446 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848476 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 848521 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 848535 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848597 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848609 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 848620 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 848690 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848713 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848717 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 848719 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848729 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848887 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848904 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848920 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848940 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848965 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849010 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849017 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849023 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849030 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849040 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 849055 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 849056 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849068 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849089 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849175 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 849198 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849200 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849242 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849262 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849270 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849274 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 849287 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849296 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849299 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849315 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849341 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849382 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 849387 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 849391 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 849400 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849450 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849460 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849463 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849487 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 849505 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849509 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849587 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849818 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849819 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849820 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 849839 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849843 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 849922 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 849926 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849938 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849984 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 850010 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850034 | xxxxxx | xxxxxx C | N/A C D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 850038 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850053 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 850054 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 850059 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 850069 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850082 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850104 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 850108 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 850118 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850153 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 850168 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850169 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850241 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850247 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850272 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 850440 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850458 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850467 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850469 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 850471 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850476 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 850478 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 850485 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850490 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 850514 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850560 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 850570 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850588 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 850596 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850605 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850609 | xxxxxx | xxxxxx D | D A | A C | C D | D B | B A | A | A B | B |
| 850610 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850616 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850625 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850637 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 850659 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 850718 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850725 | xxxxxx | xxxxxx D | D A | A D | D | D B | B A | A | A B | B |
| 850728 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850735 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850747 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 850753 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850769 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 850778 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850811 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850814 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850820 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850828 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850830 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 850847 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850863 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850898 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850902 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850923 | xxxxxx | xxxxxx C | C D | D A | A D | D B | B | B A | A B | B |
| 850927 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850928 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 850944 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850953 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850955 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 850956 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850958 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 850961 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850962 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 850978 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 850984 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 850993 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851001 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851092 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851120 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 851132 | xxxxxx | xxxxxx C | C | C | C | C A | A | A | A | A |
| 851138 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 851149 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851151 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 851152 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 851153 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 851160 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 851182 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851202 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851296 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851300 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 851326 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 851342 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 851344 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851346 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851349 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851350 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851365 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 851377 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851380 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851411 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851420 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851454 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 851461 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851469 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851482 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851545 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851548 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851563 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 851600 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 851603 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851613 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851661 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 851664 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851694 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851695 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851708 | xxxxxx | xxxxxx C | N/A C B | N/A B C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 851711 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851723 | xxxxxx | xxxxxx D | D A | A D | D | D B | B A | A | A B | B |
| 851756 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851771 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851804 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851838 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 851861 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 851883 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B | B A | A B | B |
| 851897 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851927 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 851934 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851943 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851944 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851950 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 851984 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 851986 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851988 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851994 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 852094 | xxxxxx | xxxxxx C | C A | A C | C | C B | B A | A | A B | B |
| 852126 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 852132 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 852133 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 852138 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852144 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 852149 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852187 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852192 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 852247 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 852260 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 852268 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852273 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 852280 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 852282 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852291 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852293 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852294 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852319 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 852329 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852338 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852349 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 852359 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852362 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852401 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852416 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 852423 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 852453 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 852481 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 852520 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 852521 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 852526 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852527 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852545 | xxxxxx | xxxxxx B | B A | A C | C | C B | B A | A | A B | B |
| 852604 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 852614 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852615 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 852620 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852677 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 852680 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852685 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 852800 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852888 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 852892 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 852931 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 852952 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 852953 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 852983 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852986 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 853095 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 853102 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 853124 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853132 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853133 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853143 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853145 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 853146 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 853147 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853149 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 853150 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853152 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 853153 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 853155 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 853160 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 853161 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853163 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 853213 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853265 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853273 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853278 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853299 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853300 | xxxxxx | xxxxxx C | C D | D A | A D | D B | B A | A | A B | B |
| 853322 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 853346 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853349 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 853365 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853374 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 853386 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853387 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853389 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853441 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 853442 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853480 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853503 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853529 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853531 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853546 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 853550 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 853551 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 853553 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 853555 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853557 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853559 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853560 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853568 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853569 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853570 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 853591 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853594 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853598 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853646 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 853676 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853687 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853706 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853708 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 853709 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853710 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853713 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853724 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 853727 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853773 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853780 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853812 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 853823 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 853826 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853828 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 853830 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 853833 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 853835 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853836 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 853837 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853841 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 853874 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853902 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 853919 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853921 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 853928 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 853937 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 853955 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 853969 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 853979 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854003 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 854010 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 854087 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854089 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854093 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854099 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854137 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854142 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854147 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854156 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854166 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 854172 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854176 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854189 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854203 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854205 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854245 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 854247 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854255 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854276 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 854299 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854303 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 854315 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854316 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854318 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854341 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854343 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854349 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A | A | A | A |
| 854444 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 854447 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854448 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 854455 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 854483 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854485 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854487 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854492 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854493 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854496 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854504 | xxxxxx | xxxxxx D | D | D A | A D | D B | B A | A | A B | B |
| 854507 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854509 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 854515 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854558 | xxxxxx | xxxxxx B | N/A B | N/A | N/A B | N/A B | N/A B | N/A | N/A B | N/A B |
| 854603 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854632 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 854633 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854634 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854637 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 854659 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854669 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854670 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854672 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 854766 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854773 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854845 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854847 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854852 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 854853 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854854 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854855 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854856 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854859 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 854861 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854926 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854933 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854937 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854938 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 854946 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854947 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854952 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854955 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 854957 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854958 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854959 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854960 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854962 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854968 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854971 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854972 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854974 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854978 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854979 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854984 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 854990 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854995 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 855000 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855002 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855005 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855007 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855008 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 855010 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855028 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855040 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855047 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 855048 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855053 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855080 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855085 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 855089 | xxxxxx | xxxxxx C | C A | A C | C | C B | B A | A | A B | B |
| 855118 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 855133 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855180 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855252 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855256 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855312 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855333 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 855430 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 855459 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855581 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855593 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855608 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855632 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 855634 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855646 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 855721 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855764 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855793 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855802 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 855809 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856380 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856524 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 856548 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856580 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 856628 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856850 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856851 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011307 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 2000011504 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 2000011547 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 2000011552 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 2000011592 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011607 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |

---

## Exhibit 99.19

**EXHIBIT 99.19**

**Clarifii data compare report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 834912 | xxxxxx | xxxxxx | Qualifying HLTV | crossCollateralPropertyDataPage | 70 | 0.00 | Matches lender approval |
| 834912 | xxxxxx | xxxxxx | Qualifying CLTV | crossCollateralPropertyDataPage | 70 | 63.83 | Matches lender approval |
| 834912 | xxxxxx | xxxxxx | Sales Price | crossCollateralPropertyDataPage | xxxxxx | xxxxxx | Per HUD and purchase contract |
| 834912 | xxxxxx | xxxxxx | Qualifying LTV | crossCollateralPropertyDataPage | 70 | 63.83 | Matches lender approval |
| 834912 | xxxxxx | xxxxxx | Property County | deedOfTrustPage | xxxxxx | xxxxxx | Per Deed of Trust |
| 834912 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note |
| 834912 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 834912 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | per Note |
| 839816 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.625 | 0.0762 | per Note |
| 842444 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | per Note |
| 844575 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.625 | 0.0762 | Per Note |
| 844641 | xxxxxx | xxxxxx | Borrower 2 SSN | the1003Page | xxxxxx | xxxxxx | per 1003 |
| 845234 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | per appraisal |
| 845511 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 846175 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | . | Per Note |
| 846175 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 846175 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846468 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.125 | 0.0712 | per note |
| 846893 | xxxxxx | xxxxxx | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per citizenship documenta |
| 846893 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846893 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | per appraisal. |
| 846901 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | As per CD |
| 846901 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | As per Note |
| 846901 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per condo documents |
| 846929 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 847156 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.5 | 0.0750 | per Note |
| 847176 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 60 | 36 | Per Prepayment Addendum. |
| 847536 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.336 | 1.53389606563253 | auditor used leases and 75% market for vacant unit; lender used commercial market rents |
| 847601 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.125 | 0.0712 | Per Note. |
| 847648 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Price is correct per purchase contract |
| 847648 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per appraisal |
| 847733 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per cd |
| 847737 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 847780 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 848029 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 40.00 | DSCR loan-no DTI calculated |
| 848446 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 848446 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| 848476 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per note |
| 848476 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 848535 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 848535 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 848535 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 60.57 | 59.90 | Per 1008 |
| 848535 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 60.57 | 59.90 | Per 1008 |
| 848597 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.75 | 0.0775 | Per Note. |
| 848620 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.76 | 20.50 | Lender 1008 reflects lower DTI and Audit calculated a lower income |
| 848717 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 848717 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 848717 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 37.5 | 33.33 | Per 1008. |
| 848717 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 37.5 | 33.33 | Per 1008. |
| 848717 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per 1008 |
| 848719 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 731 | 700 | Per Credit Report |
| 848719 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal. |
| 848729 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 848729 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per the purchase contract addendum. |
| 848920 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 801 | 795 | credit report - use highest mid score per guides |
| 848920 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 848920 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 848940 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | per note |
| 849040 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per note |
| 849040 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per Credit Report |
| 849055 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | per application |
| 849068 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per 1003 and Credit report |
| 849198 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 443242.59 | 432655.34 | per assets |
| 849198 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 16.72 | 12.00 | per assets |
| 849198 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | borrower is FN |
| 849198 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per HUD |
| 849200 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 7.29 | 7.00 | per bank statements |
| 849200 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Foreign National |
| 849242 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per appraisal |
| 849262 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.61 | 42.32 | Audit within 2% of the Lender's 1008 |
| 849270 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | per appraisal |
| 849299 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 60 | 36 | Per Note and Lock |
| 849315 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | per appraisal |
| 849341 | xxxxxx | xxxxxx | Borrower 2 Last Name | notePage | xxxxxx | xxxxxx | per note |
| 849341 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per note |
| 849341 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per appraisal |
| 849387 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 849460 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 849463 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per note |
| 849487 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | per appraisal report |
| 849505 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 849509 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | per Note |
| 849820 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per Note |
| 849839 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per note |
| 849922 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per the Note ARM. |
| 849922 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 1 | Per appraisal |
| 849922 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal 3 units |
| 849984 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | per note |
| 850010 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 45.26 | 93.00 | per HUD |
| 850010 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 0 | 425046.33 | no asset docs in file |
| 850010 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per Settlement Stmt |
| 850010 | xxxxxx | xxxxxx | ARM Subsequent Interest Rate Cap | notePage | 1 | 2.0000 | per Note |
| 850010 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per Note |
| 850038 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.5 | 0.0750 | Per Note |
| 850038 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | per appraisal |
| 850053 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 760 | 753 | Per credit report and guidelines. |
| 850053 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 850053 | xxxxxx | xxxxxx | Initial Monthly P&I Or IO Payment | notePage | 3020.93 | 3068.13 | Per Note |
| 850053 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 7 | 5 | Per Final appraisal narrative |
| 850053 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 60 | 60.94 | Per 1008. |
| 850053 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 60 | 60.94 | Per 1008. |
| 850108 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Final CD |
| 850169 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 850169 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 850241 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 850440 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 850467 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 850467 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per the note |
| 850476 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| 850560 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 79.02 | 80.00 | Loan Amount/Purchase Price |
| 850560 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per title |
| 850570 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.125 | 0.0712 | per Note |
| 850605 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 850610 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.25 | 6.3750 | Per note |
| 850610 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note |
| 850610 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per appraisal. |
| 850610 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 74.46 | 75.00 | loan amount/appraisal value |
| 850610 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 74.46 | 75.00 | loan amount/appraisal value |
| 850625 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per final CD |
| 850625 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per note |
| 850637 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final Cd |
| 850637 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 850659 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per the appraisal. |
| 850718 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | DSCR loan - used Investor guides. |
| 850718 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per Credit Report. |
| 850725 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 771 | 769 | Per Credit Report |
| 850725 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 850725 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 850728 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note. |
| 850728 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 850735 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 850747 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.98 | 48.00 | Lender used higher P&I payment |
| 850747 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 850747 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 850747 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 75 | 74.95 | Per 1008 |
| 850753 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.375 | 0.0738 | per Note |
| 850811 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.52 | 53.65 | Audit and Lender match |
| 850811 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 850811 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 77.45 | 80.00 | Per 1008 |
| 850811 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 77.45 | 80.00 | Per 1008 |
| 850828 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 850847 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 850863 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.712 | 1.62 | market rent/PITIA; Lender DSCR calculation not provided |
| 850863 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per Note |
| 850898 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.12 | 1.11 | Market rent/PITIA; Lender DSCR worksheet not provided |
| 850923 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 850927 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.56 | 23.48 | The audit calculated lower income |
| 850944 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 42.00 | DSCR |
| 850955 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 850958 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Post Close CD. |
| 850958 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 0.96 | DSCR - no DTI |
| 850961 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 850961 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.69 | 40.99 | Audit matches Lender 1008 |
| 850962 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 850978 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.56 | 45.00 | Audit matches Lender DTI per 1008. |
| 850978 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per appraisal |
| 850993 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.125 | 7.3750 | Per Note |
| 850993 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title, appraisal |
| 851001 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 851120 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 7.09 | 16.00 | verified assets/reserves |
| 851120 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1810.17 | 1748.50 | Audit includes HOA |
| 851120 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | per appraisal |
| 851132 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 64.71 | 71.00 | per verified assets |
| 851132 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 6996.89 | 6883.22 | Audit includes HOA |
| 851149 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2516.12 | 2485.45 | Audit includes HOA |
| 851151 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 75.48 | 1.00 | Per verified assets |
| 851151 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.89 | 39.37 | Audit calculated lower income |
| 851160 | xxxxxx | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 16952.75 | 15854.00 | True data reflects fully qualified payment |
| 851160 | xxxxxx | xxxxxx | Qualifying Amortization Term | notePage | 360 | 480 | Per Note |
| 851182 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 55.98 | 100.00 | Per verified assets |
| 851182 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 851182 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 851342 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 2.28 | 120.00 | per bank statements in the file |
| 851342 | xxxxxx | xxxxxx | Total Qualified Assets Available For Reserves | assetPage | 216905.13 | 215221.42 | per bank statements |
| 851342 | xxxxxx | xxxxxx | B1 Credit Report Date | creditLiabilitiesPage | xxxxxx | xxxxxx | per credit report |
| 851349 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 19.49 | 91.00 | Audit used all available |
| 851350 | xxxxxx | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | Noni 5.15.25 | per 1008 |
| 851411 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.37 | 42.21 | Audit within 2% of the Lender's 1008 |
| 851411 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 851420 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.046 | 1 | Audit used Actual Rent/ PITIA. Lender Calculation not provided |
| 851454 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 851461 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per appraisal |
| 851469 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal report |
| 851482 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per final CD. |
| 851482 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per final CD. |
| 851482 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 13.27 | 9.96 | Audit calculated a lower income |
| 851545 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 851545 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 851563 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per 1003 and credit report in file |
| 851661 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 851664 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 851664 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 851711 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.64 | 41.82 | Audit matches Lender 1008 |
| 851711 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 851723 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per Note |
| 851756 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 796 | 769 | Per Credit Report |
| 851756 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 851771 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 851771 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per appraisal |
| 851804 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 12 | 0 | Per Note |
| 851883 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.3 | 40.00 | Audit calculated lower REO rental income |
| 851897 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 851897 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 851897 | xxxxxx | xxxxxx | Prepayment Penalty Flag | notePage | Y | false | per note |
| 851927 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.31 | 30.60 | Audit is within 2% of the 1008 |
| 851927 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 851934 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 771 | 763 | Per credit report. |
| 851943 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 851950 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 8.55 | 0.00 | cashout was used as reserves |
| 851986 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 40.00 | DSCR |
| 851994 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 852094 | xxxxxx | xxxxxx | Interest Only Flag | notePage | Yes | No | Per Note. |
| 852126 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.12 | 38.42 | Audit calculated lower income |
| 852126 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | per Note |
| 852132 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.56 | 26.80 | Audit DTI within 2% of Lender DTI on 1008 |
| 852132 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per Appraisal |
| 852144 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 852144 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 852187 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.01 | 35.42 | Audit matches Lender's approval |
| 852192 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 852247 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final Cd |
| 852280 | xxxxxx | xxxxxx | Borrower 1 Citizen | the1003Page | Permanent Resident Alien | US Citizen | Per citizenship documentation in file |
| 852294 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 852294 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | per initial 1003 |
| 852329 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final Cd |
| 852349 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 51.02 | 43.29 | Audit included an HOA for the primary residence |
| 852362 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 705 | 703 | Per Credit Report. |
| 852362 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.18 | 19.72 | Audit DTI matches Lender's 1008 |
| 852362 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note. |
| 852401 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 852416 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 11.05 | 18.00 | Audit DTI matches Lender's 1008 |
| 852416 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 852416 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 79.49 | 78.32 | Per 1008 |
| 852423 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 57.1 | 57.21 | per approval |
| 852520 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 688 | 687 | per credit report |
| 852521 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 2.74 | 19.41 | Audit matches Lender's 1008 |
| 852521 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note |
| 852521 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 852526 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.71 | 44.00 | Audit within 2% of the 1008 |
| 852545 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | per appraisal |
| 852604 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.57 | 10.79 | Audit included a rental agreement |
| 852604 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 852614 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 852614 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 852615 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per cd |
| 852685 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 852888 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.98 | 22.00 | Audit DTI within 2% of Lender DTI on 1008 |
| 852888 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.624 | 7.6250 | per Note |
| 852892 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.53 | 34.38 | Audit is within 2% of the Lender's 1008 |
| 852892 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per note |
| 852892 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per 1008 |
| 852892 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 852931 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | per appraisal |
| 852952 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 852953 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.3 | 27.57 | Audit calculated lower income |
| 852983 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.35 | 2.00 | Audit used lower initial 1003 income |
| 852986 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.46 | 40.95 | Audit used lower payment on primary |
| 852986 | xxxxxx | xxxxxx | Note Type | notePage | ARM | Fixed | per Note |
| 853095 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 74.74 | 68.43 | Per 1008 |
| 853095 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 74.74 | 68.43 | Per 1008 |
| 853132 | xxxxxx | xxxxxx | Interest Only Flag | notePage | Yes | Y | Per Note |
| 853143 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.32 | 11.05 | Audit within 2% of the loan approval |
| 853143 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | As per final CD |
| 853145 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per Final CD |
| 853145 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per Final CD |
| 853147 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 853147 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 853150 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 853150 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 853152 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | As per final CD |
| 853153 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 853153 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal |
| 853155 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 853155 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 853160 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.93 | 13.06 | Audit included a mortgage payment from other REO |
| 853160 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 853161 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per final CD in file |
| 853161 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per final CD in file |
| 853213 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 853299 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 853322 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 853322 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 853349 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 853365 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.63 | 47.00 | Audited matches 1008 |
| 853374 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 853386 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per the appraisal and title. |
| 853441 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.19 | 25.16 | Audit is within 2% of the 1008 |
| 853441 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title, appraisal |
| 853503 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.89 | 32.40 | Audit within 2% of the Lender's 1008 |
| 853529 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.07 | 44.34 | Audit DTI matches Lender's 1008 |
| 853529 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | per note |
| 853531 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.17 | 47.81 | Audit within 2% of the Lender's 1008 |
| 853531 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per CD |
| 853546 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note |
| 853546 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 78.99 | 76.84 | per 1008 |
| 853546 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per title and appraisal |
| 853550 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.42 | 41.28 | Audit calculated less consumer debt |
| 853553 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.33 | 36.82 | Audit within 2% of the 1008 |
| 853553 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 853555 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 853557 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 853559 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.98 | 27.75 | Audit DTI matches Lender's 1008 |
| 853559 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.75 | 7.0000 | per note |
| 853559 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | per Note |
| 853560 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 853570 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 853676 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.93 | 39.57 | Audited included the departing primary |
| 853676 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 853706 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 853708 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 853709 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.34 | 49.99 | Audit within 2% of the 1008 |
| 853709 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per executed note in file. |
| 853710 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 853713 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.56 | 27.47 | Audit matches 1008 |
| 853724 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 4 | 1 | Per Appraisal |
| 853724 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Attached | Per Appraisal |
| 853727 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note- verified by missingloans |
| 853773 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | From appraisal report |
| 853826 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD in file |
| 853826 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD in file |
| 853828 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final Closing disclosure |
| 853828 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 853830 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 853833 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 853835 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 853836 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD in file |
| 853836 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD in file |
| 853841 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.46 | 38.86 | Audit excluded 30-Day Account |
| 853841 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 88.36 | 21.76 | 1st + 2nd Mortgages/Appraised Value |
| 853874 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 853919 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per final cd |
| 853969 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 10.25 | 5.39 | Audit DTI matches Lender's 1008 |
| 853969 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per Appraisal |
| 854003 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per cd |
| 854003 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per cd |
| 854089 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.74 | 34.38 | Audit within 2% of the Lender's 1008 |
| 854089 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per final cd |
| 854093 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.72 | 30.06 | Audit calculated lower income |
| 854093 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 854093 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 854093 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 854147 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 854156 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.6 | 41.62 | Audit within 2% of the 1008 |
| 854166 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.69 | 42.80 | Audit calculated higher REO payments |
| 854172 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.01 | 31.84 | Audit DTI matches Lender's 1008 |
| 854189 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 854203 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 854203 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 854205 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 732 | 709 | per credit report |
| 854205 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 854245 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 757 | 761 | Per Credit Report |
| 854245 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per Note |
| 854245 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note |
| 854245 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 854299 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Verified on appraisal. |
| 854303 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | per appraisal |
| 854315 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 854318 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 854318 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per initial 1003 |
| 854318 | xxxxxx | xxxxxx | Property County | deedOfTrustPage | xxxxxx | xxxxxx | Per Deed of Trust |
| 854318 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 18000.00 | Per 1003 |
| 854341 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 854343 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 854349 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 854444 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD/Settlement Statement |
| 854444 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 70 | 89.64 | Audit LTV matches Lender LTV on 1008 |
| 854447 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 854447 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 854448 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 854455 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 854455 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 854487 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.68 | 25.70 | Audit DTI is within 2% of the Lender's 1008 |
| 854492 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal |
| 854493 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.42 | 36.73 | Audit DTI matches Lender's 1008 |
| 854493 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 854493 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 854496 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.87 | 35.55 | Audit included the solar payment |
| 854504 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.04 | 40.00 | Audit DTI matches Lender's 1008 |
| 854504 | xxxxxx | xxxxxx | Loan Purpose | the1003Page | Refinance | Purchase | Per approval |
| 854509 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 807 | 790 | Primary wage earner mid score |
| 854633 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.16 | 49.00 | Audit DTI matches Lender's 1008 |
| 854659 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 854669 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | per appraisal, title |
| 854672 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | per appraisal |
| 854766 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 854852 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 854853 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | per note |
| 854853 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 80 | 0.00 | Matches 1008 |
| 854854 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 854855 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 854859 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 854937 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.17 | 47.99 | Variance due to REO discrepancy |
| 854938 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | per appraisal |
| 854946 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.05 | 43.28 | Lender double counted taxes & ins on other REO |
| 854946 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per appraisal |
| 854960 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | per appraisal |
| 854968 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 854974 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.51 | 32.95 | Audit included an auto lease reflected on the GAP report. |
| 854978 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Title |
| 854984 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 854984 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 855002 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 855002 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 855005 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 855007 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per cd |
| 855008 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD in file |
| 855010 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 855010 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 855028 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note |
| 855028 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 855028 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 76.94 | 76.70 | Per 1008 |
| 855028 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 76.94 | 76.70 | Per 1008 |
| 855047 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | pccd |
| 855053 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 855133 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.56 | 35.00 | Audit DTI matches Approval. |
| 855133 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 855180 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.51 | 49.99 | Audit DTI is within 2% of the lender's 1008 in file. |
| 855256 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per appraisal |
| 855459 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | per appraisal |
| 855632 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 855634 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | As per final CD |
| 855793 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 1 | Per Appraisal |
| 855793 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 856380 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.2 | 15.36 | Audit within 2% of the Lender's 1008 |
| 856524 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Final Cd |
| 856850 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| 2000011547 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | per appraisal report |
| 2000011552 | xxxxxx | xxxxxx | Family Rider 1-4 | deedOfTrustPage | true | false | Per Deed of Trust |
| 2000011552 | xxxxxx | xxxxxx | Property Value | propertyValuationPage | xxxxxx | xxxxxx | Lower BPO value used for LTV |
| 2000011552 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 2 | per mixed use appraisal report |
| 2000011552 | xxxxxx | xxxxxx | Borrower 1 Sex - I do not wish to provide this information | the1003Page | true | false | per 1003 |
| 2000011592 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 2 | Per appraisal |
| 2000011607 | xxxxxx | xxxxxx | Other Rider | deedOfTrustPage | true | false | Per Deed of Trust |
| 2000011607 | xxxxxx | xxxxxx | Property County | deedOfTrustPage | xxxxxx | xxxxxx | Per Deed of Trust |
| 2000011607 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 2000011607 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per Borrower Passport |

---

## Exhibit 99.20

**EXHIBIT 99.20**

**clarifii atr qm report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 834912 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 839669 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| 839816 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 842444 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 844575 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 844641 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 844855 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844890 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 844893 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845164 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 845234 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 845412 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 845511 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 845985 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846175 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846388 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846468 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 846473 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 846855 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 846893 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 846901 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846929 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 846983 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 21553.13 | 7.37 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8858.09 | Yes | Employed |  | No |  | No |  |
| 847156 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 847176 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847536 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847601 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 847648 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847733 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 847737 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4075 | 9.983 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6150.48 | Yes | Employed |  | No |  | No |  |
| 847780 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 848029 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848164 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848216 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2495 | 10.247 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 11396.9 | Yes | Employed | Employed | No | No | No |  |
| 848294 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848416 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 848419 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 848421 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848446 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 848476 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 848521 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 15706 | 8.387 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31450.28 | Yes | Employed | Not Employed | No | No | No |  |
| 848535 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848597 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 848609 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 848620 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4607.75 | 7.193 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 100783.78 | Yes | Employed |  | No |  | No |  |
| 848690 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848713 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848717 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19715 | 6.925 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51337.96 | N/A | Employed | Employed | No | No | No |  |
| 848719 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848729 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 848887 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848904 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848920 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 848940 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 848965 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 849010 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 849017 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 849023 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849030 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849040 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849055 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849056 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 33214.02 | N/A | Employed |  | No |  | Yes | Present |
| 849068 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849089 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 849175 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849198 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 849200 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 849242 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 849262 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.615 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3797.73 | N/A | Retired |  | No |  | No |  |
| 849270 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 849274 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849287 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849296 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849299 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 849315 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849341 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 849382 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4752.61 | 7.071 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15868.4 | Yes | Employed |  | No |  | No |  |
| 849387 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849391 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 5787.12 | 9.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4550.94 | N/A | Employed | Employed | No | No | No |  |
| 849400 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849450 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849460 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849463 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849487 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1253.87 | 8.585 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3807.47 | N/A | Retired | Retired | No | No | No |  |
| 849505 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1845 | 7.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13603.34 | Yes | Not Employed | Employed | No | No | No |  |
| 849509 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849587 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849818 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | Yes | No | No | No | No | Yes | 53929.95 | 7.578 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20040.16 | N/A | Not Employed |  | No |  | No |  |
| 849819 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849820 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849839 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849843 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3142 | 9.047 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4577.78 | Yes | Employed |  | No |  | No |  |
| 849922 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849926 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849938 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 849984 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850010 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 850034 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2063.1 | 8.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16041.62 | N/A | Employed |  | No |  | No |  |
| 850038 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 850053 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850054 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 850059 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 14911.71 | 7.873 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45777.22 | Yes | Employed |  | No |  | No |  |
| 850069 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850082 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850104 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850108 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8526.25 | 6.866 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5392.03 | N/A | Employed |  | No |  | No |  |
| 850118 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850153 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 850168 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850169 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 850241 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 850247 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850272 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850440 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850458 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850467 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 850469 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850471 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 850476 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850478 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 7.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9377.5 | N/A | Retired | Not Employed | No | No | No |  |
| 850485 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 850490 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7194.4 | 6.978 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4993.9 | N/A | Employed |  | No |  | No |  |
| 850514 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8550.35 | Yes | Employed |  | No |  | Yes | Present |
| 850560 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850570 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 850588 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850596 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 850605 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 13975 | 8.766 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9003.53 | N/A | Employed |  | No |  | No |  |
| 850609 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850610 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850616 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850625 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10727.5 | 8.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 190136.68 | Yes | Employed | Not Employed | No | No | No |  |
| 850637 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19820.69 | Yes | Employed | Employed | No | No | Yes | Present |
| 850659 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850718 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850725 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850728 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850735 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850747 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 1720 | 7.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16926.63 | Yes | Retired | Retired | No | No | No |  |
| 850753 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 850769 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850778 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850811 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1790 | 7.078 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2429.58 | N/A | Employed |  | No |  | No |  |
| 850814 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850820 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | Yes | Yes | Present |
| 850828 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 850830 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850847 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 850863 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 850898 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850902 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850923 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.338 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12058.7 | N/A | Not Employed | Employed | No | No | No |  |
| 850927 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 1640 | 7.922 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22903.05 | N/A | Employed |  | No |  | No |  |
| 850928 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850944 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 850953 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 850955 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 850956 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850958 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 850961 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 26472.95 | N/A | Employed |  | No |  | Yes | Present |
| 850962 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850978 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2755 | 7.157 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5885.72 | N/A | Employed |  | No |  | No |  |
| 850984 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 850993 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851001 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851092 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851120 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8355.71 | 7.243 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4204.08 | Yes | Employed |  | No |  | No |  |
| 851132 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13841.5 | 7.027 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8205.44 | Yes | Employed | Not Employed | No | No | No |  |
| 851138 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 8485.52 | 8.397 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5114.7 | Yes | Employed |  | No |  | No |  |
| 851149 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 102667.88 | Yes | Employed |  | No |  | Yes | Present |
| 851151 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5544 | 6.779 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7535.32 | Yes | Employed | Not Employed | No | No | No |  |
| 851152 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5416 | 9.324 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3141.89 | Yes | Employed |  | No |  | No |  |
| 851153 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 4601 | 8.81 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12929.97 | Yes | Employed |  | No |  | No |  |
| 851160 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | Yes | No | No | No | No | No | 32124 | 9.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 47442.37 | Yes | Employed |  | No |  | No |  |
| 851182 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 65734.93 | Yes | Employed |  | No |  | Yes | Present |
| 851202 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7191.09 | Yes | Employed |  | No |  | Yes | Present |
| 851296 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 9334 | 8.075 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5252.65 | N/A | Employed |  | No |  | No |  |
| 851300 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 8838.18 | N/A | Employed |  | No |  | Yes | Present |
| 851326 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 1640 | 7.81 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6736.06 | N/A | Not Employed | Employed | No | No | No |  |
| 851342 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851344 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851346 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 851349 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 851350 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851365 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5090 | 7.981 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8121.85 | N/A | Employed |  | No |  | No |  |
| 851377 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851380 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 549317.52 | N/A | Employed |  | No |  | Yes | Present |
| 851411 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6023.75 | 9.754 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 5162.48 | N/A | Employed |  | No |  | No |  |
| 851420 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851454 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851461 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851469 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 851482 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 128027.85 | N/A | Employed |  | No |  | Yes | Present |
| 851545 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11213.38 | N/A | Employed |  | No |  | Yes | Present |
| 851548 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 34030.02 | Yes | Employed |  | No |  | Yes | Present |
| 851563 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851600 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3030 | 8.255 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20429.04 | N/A | Employed | Employed | No | No | No |  |
| 851603 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 851613 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851661 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851664 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851694 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13101.15 | N/A | Employed |  | No |  | Yes | Present |
| 851695 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851708 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3029 | 8.222 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10695.79 | N/A | Employed | Not Employed | No | No | No |  |
| 851711 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14233.61 | N/A | Employed | Employed | No | No | Yes | Present |
| 851723 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851756 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 166611.05 | N/A | Employed |  | No |  | Yes | Present |
| 851771 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 851804 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 851838 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18909.26 | 7.554 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12435.97 | Yes | Employed | Not Employed | No | No | No |  |
| 851861 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11015 | 7.071 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12736.29 | Yes | Not Employed |  | No |  | No |  |
| 851883 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7235 | 6.809 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5710.01 | Yes | Employed |  | No |  | No |  |
| 851897 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13830.78 | Yes | Employed |  | No |  | Yes | Present |
| 851927 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9095 | 8.129 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13286.54 | Yes | Employed |  | No |  | No |  |
| 851934 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851943 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2890 | 7.996 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5799.47 | N/A | Employed |  | No |  | No |  |
| 851944 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23691.6 | N/A | Employed | Employed | No | No | No |  |
| 851950 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851984 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851986 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851988 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851994 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20844 | 7.723 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15064.37 | Yes | Employed |  | No |  | No |  |
| 852094 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852126 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 56001.76 | N/A | Not Employed | Employed | No | No | Yes | Present |
| 852132 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 26500 | 7.04 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40360.3 | Yes | Employed |  | No |  | No |  |
| 852133 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 852138 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852144 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4528.9 | 8.68 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8543.61 | Yes | Employed | Employed | No | No | No |  |
| 852149 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 28914.01 | N/A | Employed |  | No |  | Yes | Present |
| 852187 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 6.949 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5883 | N/A | Employed |  | No |  | No |  |
| 852192 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 56262.25 | Yes | Employed |  | No |  | Yes | Present |
| 852247 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 10860 | 9.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 73648.5 | Yes | Employed |  | No |  | No |  |
| 852260 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852268 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | No | N/A | N/A | N/A | N/A | 5921.46 | Yes | Retired |  | No |  | Yes | Present |
| 852273 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2818.5 | 8.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2444.76 | Yes | Retired |  | No |  | No |  |
| 852280 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9790 | 6.895 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8927.06 | Yes | Employed |  | No |  | No |  |
| 852282 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 16110 | 7.536 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7978.63 | N/A | Employed |  | No |  | No |  |
| 852291 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 42942.95 | Yes | Employed |  | No |  | Yes | Present |
| 852293 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8411.45 | N/A | Employed |  | No |  | Yes | Present |
| 852294 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 17990 | 7.824 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18167.49 | Yes | Employed |  | No |  | No |  |
| 852319 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 27617.28 | N/A | Employed |  | No |  | Yes | Present |
| 852329 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18295 | 7.57 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17917.6 | N/A | Employed |  | No |  | No |  |
| 852338 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 852349 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6160 | 7.019 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | No | Yes | 4212.78 | Yes | Employed | Not Employed | No | No | No |  |
| 852359 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852362 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 1940 | 7.782 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21227.98 | N/A | Employed |  | No |  | No |  |
| 852401 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7527.8 | 7.461 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5072.71 | Yes | Employed |  | No |  | No |  |
| 852416 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.025 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48997.33 | N/A | Employed | Employed | No | No | No |  |
| 852423 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3545 | 8.496 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5713.73 | N/A | Employed |  | No |  | No |  |
| 852453 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 4264.75 | 9.785 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26127.6 | N/A | Employed |  | No |  | No |  |
| 852481 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14248.98 | 7.482 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8093.53 | Yes | Employed |  | No |  | No |  |
| 852520 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852521 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 12681.25 | 8.664 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 293955.98 | Yes | Employed |  | No |  | No |  |
| 852526 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1495 | 7.805 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9769.23 | N/A | Employed |  | No |  | No |  |
| 852527 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 6.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13722.69 | N/A | Not Employed | Employed | No | No | No |  |
| 852545 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852604 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 55724.87 | N/A | Employed |  | No |  | Yes | Present |
| 852614 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 26255.79 | N/A | Employed |  | No |  | Yes | Present |
| 852615 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 38695 | 7.653 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 52831.18 | Yes | Employed |  | No |  | No |  |
| 852620 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3219.2 | 7.092 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23413.55 | Yes | Not Employed | Not Employed | No | No | No |  |
| 852677 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2334.8 | 9.42 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4837.15 | N/A | Employed |  | No |  | No |  |
| 852680 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852685 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 13413.75 | 8.765 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29120.56 | Yes | Employed |  | No |  | No |  |
| 852800 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | Yes | 196426.61 | N/A | Employed |  | No |  | Yes | Present |
| 852888 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 34225.5 | 7.908 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50627.65 | Yes | Employed |  | No |  | No |  |
| 852892 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | No | Yes | No | No | No | No | No | No | No | No | 17145.36 | 7.988 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12958.79 | N/A | Employed | Employed | No | No | No |  |
| 852931 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13965 | 6.96 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 58930.04 | N/A | Employed |  | No |  | No |  |
| 852952 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 340009.44 | Yes | Employed |  | No |  | Yes | Present |
| 852953 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11864.37 | 7.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14791.84 | N/A | Employed |  | No |  | No |  |
| 852983 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 4434.92 | 7.82 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3844.55 | Yes | Employed |  | No |  | No |  |
| 852986 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | No | No | No | No | No | No | No | No | No | 1861 | 7.571 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 38829.52 | N/A | Employed |  | No |  | No |  |
| 853095 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 8550 | 8.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9342.77 | N/A | Employed |  | No |  | No |  |
| 853102 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 4007.5 | 7.095 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6015.85 | Yes | Employed |  | No |  | No |  |
| 853124 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.527 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15816.72 | N/A | Employed |  | No |  | No |  |
| 853132 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 853133 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 15758 | 7.412 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27029.1 | Yes | Employed |  | No |  | No |  |
| 853143 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2590 | 7.834 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19458.95 | N/A | Employed |  | No |  | No |  |
| 853145 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 13712.4 | 8.453 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | No | 11386.78 | Yes | Employed |  | No |  | No |  |
| 853146 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7052 | 11.06 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 106406.89 | Yes | Employed |  | No |  | No |  |
| 853147 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 8790 | 8.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11144.74 | N/A | Employed |  | No |  | No |  |
| 853149 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 6828.4 | 7.856 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3378.5 | N/A | Employed |  | No |  | No |  |
| 853150 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 37764.85 | N/A | Employed | Employed | No | No | Yes | Present |
| 853152 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2495 | 7.533 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 36447.96 | N/A | Employed |  | No |  | No |  |
| 853153 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 23057.5 | 6.764 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 65695.26 | N/A | Employed |  | No |  | No |  |
| 853155 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 6569 | 7.955 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6895.89 | N/A | Employed |  | No |  | No |  |
| 853160 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 38245 | 6.828 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 295279.85 | N/A | Employed |  | No |  | No |  |
| 853161 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | Yes | 19792.55 | Yes | Employed |  | No |  | Yes | Present |
| 853163 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3025.75 | 8.777 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 8341.12 | N/A | Employed |  | No |  | No |  |
| 853213 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11011.2 | 6.922 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11832.91 | N/A | Employed |  | No |  | No |  |
| 853265 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 20050 | 6.984 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27344.77 | N/A | Employed |  | No |  | No |  |
| 853273 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 853278 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11839.11 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 853299 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 1640 | 8.323 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6072.16 | Yes | Employed |  | No |  | No |  |
| 853300 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8856.25 | 6.785 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6502.3 | Yes | Employed |  | No |  | No |  |
| 853322 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 61495 | 7.506 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 85200.32 | N/A | Employed |  | No |  | No |  |
| 853346 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | Yes | 172551.27 | N/A | Not Employed | Not Employed | No | No | Yes | Present |
| 853349 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21650 | 7.434 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12286.96 | N/A | Employed |  | No |  | No |  |
| 853365 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 10065.2 | 8.01 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13596.3 | N/A | Employed |  | No |  | No |  |
| 853374 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2116.1 | 7.437 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 8369.09 | N/A | Employed |  | No |  | No |  |
| 853386 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 853387 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853389 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853441 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2450 | 7.946 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29901.77 | N/A | Employed |  | No |  | No |  |
| 853442 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 6097.54 | 8.51 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11767.32 | N/A | Employed |  | No |  | No |  |
| 853480 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 4515.02 | 7.973 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9954.62 | N/A | Employed |  | No |  | No |  |
| 853503 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 33125 | 7.002 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40554.01 | N/A | Employed |  | No |  | No |  |
| 853529 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | N/A | N/A | 20504.07 | N/A | Employed |  | No |  | Yes | Present |
| 853531 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | Yes | Yes | N/A | N/A | 20472.07 | Yes | Employed |  | No |  | Yes | Present |
| 853546 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7954.4 | 7.389 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4598.69 | N/A | Employed |  | No |  | No |  |
| 853550 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2645 | 7.048 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10731.11 | Yes | Employed |  | No |  | No |  |
| 853551 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2450 | 7.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20177.84 | N/A | Employed |  | No |  | No |  |
| 853553 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10038 | 7.075 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15025.22 | N/A | Employed |  | No |  | No |  |
| 853555 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853557 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9350 | 7.314 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12761.71 | N/A | Employed |  | No |  | No |  |
| 853559 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12478.54 | N/A | Employed |  | No |  | Yes | Present |
| 853560 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5770 | 7.627 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8713.78 | N/A | Employed |  | No |  | No |  |
| 853568 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3515 | 6.85 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 8547.27 | N/A | Employed |  | No |  | No |  |
| 853569 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 6.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7473.48 | N/A | Employed |  | No |  | No |  |
| 853570 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10770 | 7.334 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20636.61 | Yes | Employed |  | No |  | No |  |
| 853591 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.143 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23265.7 | N/A | Employed |  | No |  | No |  |
| 853594 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 218917.54 | N/A | Employed |  | No |  | Yes | Present |
| 853598 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5663.4 | 7.566 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 5696.87 | Yes | Employed |  | No |  | No |  |
| 853646 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1719 | 7.154 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6737.91 | N/A | Employed |  | No |  | No |  |
| 853676 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 1640 | 7.28 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20253.02 | N/A | Employed | Employed | No | No | No |  |
| 853687 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 28174.52 | N/A | Employed |  | No |  | Yes | Present |
| 853706 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7150 | 6.961 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3646.21 | N/A | Employed |  | No |  | No |  |
| 853708 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1495 | 6.97 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4382.19 | N/A | Employed |  | No |  | No |  |
| 853709 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 5340 | 9.044 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3686.15 | Yes | Employed |  | No |  | No |  |
| 853710 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8133 | 7.122 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6515.59 | N/A | Employed |  | No |  | No |  |
| 853713 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7045 | 6.806 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16137.47 | N/A | Employed | Employed | No | No | No |  |
| 853724 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 35174.6 | Yes | Employed |  | No |  | Yes | Present |
| 853727 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5515 | 6.819 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7969.54 | Yes | Employed |  | No |  | No |  |
| 853773 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6590 | 7.691 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14432.32 | N/A | Employed |  | No |  | No |  |
| 853780 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.076 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4057.41 | Yes | Not Employed |  | No |  | No |  |
| 853812 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4565 | 6.977 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8793.13 | N/A | Employed |  | No |  | No |  |
| 853823 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15844 | 6.942 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14622.72 | N/A | Employed | Employed | No | No | No |  |
| 853826 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | Yes | 6263.96 | Yes | Employed |  | No |  | Yes | Present |
| 853828 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 10945 | 7.619 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10677.39 | N/A | Employed |  | No |  | No |  |
| 853830 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10140 | 7.257 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7260.86 | N/A | Employed |  | No |  | No |  |
| 853833 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8995 | 6.932 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7636.7 | N/A | Employed | Not Employed | No | No | No |  |
| 853835 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8665 | 6.916 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15493.64 | N/A | Employed |  | No |  | No |  |
| 853836 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9548.13 | 6.928 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9759.41 | N/A | Employed |  | No |  | No |  |
| 853837 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 7154.18 | 8.047 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1566.92 | N/A | Employed |  | No |  | No |  |
| 853841 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4352 | 10.108 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14973.02 | N/A | Employed |  | No |  | No |  |
| 853874 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5389.8 | N/A | Employed |  | No |  | Yes | Present |
| 853902 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15872.51 | Yes | Employed |  | No |  | Yes | Present |
| 853919 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14288.85 | N/A | Employed |  | No |  | Yes | Present |
| 853921 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 28550 | 7.34 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15977.21 | Yes | Employed |  | No |  | No |  |
| 853928 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4125 | 8.205 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | 6721.99 | N/A | Employed |  | No |  | No |  |
| 853937 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 15075.63 | 6.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5715.13 | N/A | Employed |  | No |  | No |  |
| 853955 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7933.75 | 7.362 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5626.06 | N/A | Employed |  | No |  | No |  |
| 853969 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13055 | 7.05 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 80058.51 | Yes | Employed |  | No |  | No |  |
| 853979 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 15580.25 | N/A | Employed |  | No |  | Yes | Present |
| 854003 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17245 | 7.33 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23264.42 | N/A | Employed |  | No |  | No |  |
| 854010 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854087 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7888.46 | N/A | Employed |  | No |  | Yes | Present |
| 854089 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3800 | 7.014 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4621.93 | N/A | Employed |  | No |  | No |  |
| 854093 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 22159.71 | Yes | Employed | Employed | No | No | Yes | Present |
| 854099 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4770 | 7.12 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10806.64 | N/A | Employed |  | No |  | No |  |
| 854137 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6699 | 7.162 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4506.05 | N/A | Employed |  | No |  | No |  |
| 854142 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2265 | 7.477 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4414.92 | N/A | Employed |  | No |  | No |  |
| 854147 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3364 | 6.939 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17288.94 | Yes | Employed |  | No |  | No |  |
| 854156 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16553 | 7.333 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16278.23 | Yes | Employed | Not Employed | No | No | No |  |
| 854166 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 21449 | 7.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11619.68 | Yes | Employed |  | No |  | No |  |
| 854172 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 16941.6 | Yes | Employed | Employed | No | No | Yes | Present |
| 854176 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8635.02 | 7.687 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23903.74 | N/A | Employed |  | No |  | No |  |
| 854189 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6359 | 6.865 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7085.7 | Yes | Not Employed |  | No |  | No |  |
| 854203 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12080 | 7.093 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 16347.83 | Yes | Employed |  | No |  | No |  |
| 854205 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 67163.65 | N/A | Employed | Employed | No | No | Yes | Present |
| 854245 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854247 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19770 | 7.644 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 70235.39 | Yes | Employed | Not Employed | No | No | No |  |
| 854255 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10761.66 | 7.277 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5218.84 | Yes | Retired |  | No |  | No |  |
| 854276 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15575 | 7.113 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42124.29 | Yes | Employed | Not Employed | No | No | No |  |
| 854299 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22506.6 | Yes | Employed |  | No |  | Yes | Present |
| 854303 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8079.06 | 7.104 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6742.18 | N/A | Employed |  | No |  | No |  |
| 854315 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9986 | 7.531 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 78751.08 | N/A | Employed | Employed | No | No | No |  |
| 854316 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2590 | 6.6 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7574.89 | N/A | Employed |  | No |  | No |  |
| 854318 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 15550 | 8.07 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 9494.48 | N/A | Employed |  | No |  | No |  |
| 854341 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | Yes | No | No | No | No | Yes | 29740 | 8.483 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11616.62 | Yes | Employed |  | No |  | No |  |
| 854343 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8014.84 | 6.756 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14622.75 | N/A | Retired | Retired | No | No | No |  |
| 854349 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 14005 | 6.965 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6665.52 | N/A | Employed |  | No |  | No |  |
| 854444 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22047.5 | 7.23 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14381.64 | N/A | Employed |  | No |  | No |  |
| 854447 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9305.36 | 7.045 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17028.44 | Yes | Employed |  | No |  | No |  |
| 854448 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12430 | 7.453 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3962.53 | N/A | Employed |  | No |  | No |  |
| 854455 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8990 | 7.173 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10300.86 | N/A | Employed |  | No |  | No |  |
| 854483 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854485 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8442 | 6.886 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11358.4 | N/A | Employed |  | No |  | No |  |
| 854487 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3364 | 7.044 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37974.88 | N/A | Employed | Employed | No | No | No |  |
| 854492 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13390 | 6.922 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21132.45 | Yes | Employed | Not Employed | No | No | No |  |
| 854493 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20110 | 7.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13187.91 | N/A | Employed |  | No |  | No |  |
| 854496 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18670 | 7.655 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13544.44 | Yes | Employed |  | No |  | No |  |
| 854504 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1790 | 6.908 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 122016.24 | Yes | Employed | Not Employed | No | No | No |  |
| 854507 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 6.947 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19913.03 | N/A | Employed |  | No |  | No |  |
| 854509 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 41714.8 | 7.15 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36027.2 | Yes | Retired | Retired | No | No | No |  |
| 854515 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15850 | 7.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8855.32 | N/A | Employed |  | No |  | No |  |
| 854558 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4050 | 8.856 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 113407.78 | Yes | Employed | Not Employed | No | No | No |  |
| 854603 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 17065 | 7.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16117.22 | N/A | Employed |  | No |  | No |  |
| 854632 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 7910 | 7.999 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7275.71 | N/A | Employed |  | No |  | No |  |
| 854633 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 11443.76 | 7.291 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5168.54 | N/A | Employed |  | No |  | No |  |
| 854634 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1450 | 6.811 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10199.49 | N/A | Employed | Not Employed | No | No | No |  |
| 854637 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16829.06 | 6.787 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9875.82 | Yes | Employed |  | No |  | No |  |
| 854659 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1695 | 6.908 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13254.27 | N/A | Not Employed |  | No |  | No |  |
| 854669 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6200 | 6.854 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5915.19 | Yes | Employed |  | No |  | No |  |
| 854670 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9185 | 6.917 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7886.36 | Yes | Employed |  | No |  | No |  |
| 854672 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2450 | 8.379 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6922.82 | N/A | Employed |  | No |  | No |  |
| 854766 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 6.814 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12380.22 | N/A | Employed |  | No |  | No |  |
| 854773 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 28666.68 | N/A | Employed |  | No |  | Yes | Present |
| 854845 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 28565 | 7.073 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11493.7 | N/A | Employed |  | No |  | No |  |
| 854847 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10700 | 7.001 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17735.23 | N/A | Employed |  | No |  | No |  |
| 854852 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4207.5 | 7.036 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28236.82 | N/A | Employed |  | No |  | No |  |
| 854853 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10330 | 7.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8430.52 | N/A | Employed |  | No |  | No |  |
| 854854 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | N/A | 17096.66 | N/A | Employed |  | No |  | Yes | Present |
| 854855 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4891 | 7.186 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5107.67 | N/A | Employed |  | No |  | No |  |
| 854856 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7786 | 7.08 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4211.31 | N/A | Employed |  | No |  | No |  |
| 854859 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 36227.5 | 6.903 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 55495.32 | N/A | Employed |  | No |  | No |  |
| 854861 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2548 | 6.937 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24028.86 | Yes | Employed |  | No |  | No |  |
| 854926 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6160 | 7.619 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4370.72 | N/A | Employed |  | No |  | No |  |
| 854933 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 12650 | 7.183 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12353.13 | Yes | Employed |  | No |  | No |  |
| 854937 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6331.25 | 7.733 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9788.9 | Yes | Employed |  | No |  | No |  |
| 854938 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11585 | 6.61 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8557.69 | N/A | Employed |  | No |  | No |  |
| 854946 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6120 | 7.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25226.28 | N/A | Employed |  | No |  | No |  |
| 854947 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 14500 | 6.863 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8836.74 | Yes | Employed |  | No |  | No |  |
| 854952 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6132.8 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9033.78 | N/A | Employed |  | No |  | No |  |
| 854955 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10666 | 6.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13341.5 | Yes | Employed | Employed | No | No | No |  |
| 854957 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12250 | 7.157 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12963.48 | Yes | Employed |  | No |  | No |  |
| 854958 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14165 | 7.188 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7501.29 | Yes | Employed | Not Employed | No | No | No |  |
| 854959 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2595 | 7.311 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24732.58 | Yes | Employed |  | No |  | No |  |
| 854960 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3244 | 6.78 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 79927.37 | N/A | Employed |  | No |  | No |  |
| 854962 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17812.5 | 7.074 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16181.31 | N/A | Employed |  | No |  | No |  |
| 854968 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2595 | 6.831 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4935.97 | N/A | Employed |  | No |  | No |  |
| 854971 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7750 | 6.647 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4226.94 | Yes | Employed |  | No |  | No |  |
| 854972 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7040 | 7.036 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20252.12 | N/A | Employed |  | No |  | No |  |
| 854974 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 13200 | 6.861 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21456.46 | N/A | Employed |  | No |  | No |  |
| 854978 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4762 | 7.043 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4711.69 | N/A | Employed |  | No |  | No |  |
| 854979 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8697.91 | 7.456 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42032.53 | N/A | Employed |  | No |  | No |  |
| 854984 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 33283 | 6.935 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 36271.65 | N/A | Employed | Employed | No | No | No |  |
| 854990 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8606.04 | Yes | Employed |  | No |  | Yes | Present |
| 854995 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9633.13 | 7.412 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6048.21 | Yes | Employed |  | No |  | No |  |
| 855000 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 14348.59 | N/A | Employed |  | No |  | Yes | Present |
| 855002 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16185 | 7.477 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5678.24 | Yes | Employed |  | No |  | No |  |
| 855005 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11337.92 | 6.944 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4968.29 | N/A | Employed |  | No |  | No |  |
| 855007 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2740 | 6.768 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26528.47 | N/A | Employed |  | No |  | No |  |
| 855008 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7022.5 | 6.649 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9839.21 | N/A | Employed |  | No |  | No |  |
| 855010 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 6890 | 7.525 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26590.25 | N/A | Employed |  | No |  | No |  |
| 855028 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3170 | 7.112 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3576.17 | Yes | Employed |  | No |  | No |  |
| 855040 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | Yes | Yes | 63841.67 | N/A | Employed |  | No |  | Yes | Present |
| 855047 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4495 | 6.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21601.79 | N/A | Employed |  | No |  | No |  |
| 855048 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 6.969 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9185.98 | Yes | Employed |  | No |  | No |  |
| 855053 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7290 | 6.948 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4780.17 | Yes | Employed |  | No |  | No |  |
| 855080 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9338.75 | 7.554 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4368.21 | Yes | Employed |  | No |  | No |  |
| 855085 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20450 | 6.664 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10059.16 | Yes | Employed | Employed | No | No | No |  |
| 855089 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855118 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3065 | 6.95 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10743.64 | N/A | Employed |  | No |  | No |  |
| 855133 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 6.938 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15143.73 | Yes | Retired | Not Employed | No | No | No |  |
| 855180 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12370 | 7.05 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14413.11 | N/A | Employed |  | No |  | No |  |
| 855252 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 93703.81 | Yes | Employed |  | No |  | Yes | Present |
| 855256 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 15278.75 | 6.907 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4393.34 | N/A | Employed |  | No |  | No |  |
| 855312 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8367.19 | N/A | Employed |  | No |  | Yes | Present |
| 855333 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1695 | 6.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19615.16 | Yes | Employed |  | No |  | No |  |
| 855430 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10175 | 7.182 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25761.93 | Yes | Employed |  | No |  | No |  |
| 855459 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9095 | 6.979 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5310.58 | N/A | Employed | Employed | No | No | No |  |
| 855581 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13850 | 6.933 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 184051.91 | Yes | Employed |  | No |  | No |  |
| 855593 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855608 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17744 | 7.606 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22761.9 | Yes | Employed |  | No |  | No |  |
| 855632 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10855 | 6.937 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10263.91 | N/A | Employed |  | No |  | No |  |
| 855634 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25660 | 7.203 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24384.88 | N/A | Employed |  | No |  | No |  |
| 855646 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4495 | 6.941 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9550.85 | N/A | Employed |  | No |  | No |  |
| 855721 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2548 | 7.31 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21734.33 | N/A | Employed |  | No |  | No |  |
| 855764 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18187.03 | 7.34 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8970.8 | Yes | Employed |  | No |  | No |  |
| 855793 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 17250.52 | N/A | Employed |  | No |  | Yes | Present |
| 855802 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 141193.87 | N/A | Employed |  | No |  | Yes | Present |
| 855809 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 44990 | 7.45 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46212.64 | Yes | Employed |  | No |  | No |  |
| 856380 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 82805.58 | Yes | Employed |  | No |  | Yes | Present |
| 856524 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18755.45 | 7.042 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15940.6 | N/A | Employed |  | No |  | No |  |
| 856548 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 147192.47 | N/A | Employed |  | No |  | Yes | Present |
| 856580 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 10940 | 8.707 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6615.86 | N/A | Retired |  | No |  | No |  |
| 856628 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | Yes | No | No | No | No | Yes | 40700 | 8.078 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 121945.65 | Yes | Employed | Employed | No | No | No |  |
| 856850 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 15616.99 | Yes | Employed |  | No |  | Yes | Present |
| 856851 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13070 | 6.925 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8377.75 | Yes | Employed |  | No |  | No |  |
| 2000011307 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 129019.12 | N/A | Employed |  | No |  | Yes | Present |
| 2000011504 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 8570 | 9.379 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7008.57 | Yes | Employed | Not Employed | No | No | No |  |
| 2000011547 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 5145 | 8.268 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 3544.88 | N/A | Employed |  | No |  | No |  |
| 2000011552 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000011592 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000011607 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 26385 | 7.808 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21107.99 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.21

**EXHIBIT 99.21**

**Clarifii valuation report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | MP | MP | MP | MP | xxxxxx | 70 | 70 | xxxxxx | 0.0 | .0000 | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | MP | MP | MP | MP | MP | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839669 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 40.56 | 40.56 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2025 | Eligible |  |  |
| 839816 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-23-2025 |
| 842444 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844575 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-11-2025 |
| 844641 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-19-2025 |
| 844855 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 |
| 844890 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 59.42 | 59.42 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 08-06-2025 |
| 844893 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.74 | 62.74 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 06-09-2025 |
| 845164 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-07-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 08-25-2025 | Eligible | 1 | 08-25-2025 |
| 845234 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.67 | 62.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-11-2025 |
| 845412 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.57 | 69.57 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 09-09-2025 |
| 845511 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 08-17-2025 |
| 845985 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 69.78 | 69.78 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846175 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 |
| 846388 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-28-2025 | Eligible | 1 | 08-28-2025 |
| 846468 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 51.09 | 51.09 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-22-2025 |
| 846473 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846855 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-09-2025 |
| 846893 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846901 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846929 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 48.39 | 48.39 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-25-2025 |
| 846983 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847156 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-26-2025 |
| 847176 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.86 | 62.86 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 10-02-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847536 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-22-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | 50.77 | 50.77 | xxxxxx | xxxxxx | .0077 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0077 | xxxxxx | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847601 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-28-2025 |
| 847648 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 72.86 | 72.86 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847733 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 54.64 | 54.64 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-14-2025 |
| 847737 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.33 | 79.82 | xxxxxx | xxxxxx | -.1071 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1071 |  | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 05-02-2025 | Not Eligible |  |  |
| 847780 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-04-2025 |
| 848029 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-28-2025 | Eligible | 2.5 | 08-28-2025 |
| 848164 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848216 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-28-2025 | 2055 Exterior Only Inspection Report | xxxxxx | xxxxxx | xxxxxx | 21.37 | 89.98 | xxxxxx | xxxxxx | -.0709 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0709 | xxxxxx | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848294 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848416 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-05-2025 | Eligible | 1 | 09-05-2025 |
| 848419 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 09-05-2025 |
| 848421 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.98 | 64.98 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848446 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0074 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0074 | 94.0 | 0.06 | xxxxxx | xxxxxx | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-11-2025 | Eligible |  |  |
| 848476 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.9 | 63.9 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848521 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0526 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0526 | xxxxxx | Moderate | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848535 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.57 | 60.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-25-2025 |
| 848597 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-11-2025 |
| 848609 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-24-2025 |
| 848620 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.59 | 79.59 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 11-04-2025 | Not Eligible | 1.8 | 11-04-2025 |
| 848690 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848713 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848717 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 37.5 | 37.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-12-2025 |
| 848719 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 07-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848729 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-28-2025 | Eligible | 1 | 10-28-2025 |
| 848887 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 24.8 | 24.8 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-10-2025 | Eligible | 1 | 10-10-2025 |
| 848904 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-16-2025 |
| 848920 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 48.7 | 48.7 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 |
| 848940 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848965 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0384 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0384 | xxxxxx | Moderate | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849010 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 |
| 849017 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.94 | 60.94 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 10-03-2025 |
| 849023 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-05-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0909 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0909 | xxxxxx | 09-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849030 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-02-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849040 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 08-22-2025 |
| 849055 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849056 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 56.82 | 56.82 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-19-2025 | Eligible | 1 | 09-19-2025 |
| 849068 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-09-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 | Eligible | 1 | 09-30-2025 |
| 849089 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-08-2025 |
| 849175 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-15-2025 |
| 849198 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 27.27 | 27.27 | xxxxxx | xxxxxx | -.0263 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0263 | 97.0 | 0.03 | xxxxxx | xxxxxx | 09-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 09-16-2025 |
| 849200 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0294 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0294 | 97.0 | 0.03 | xxxxxx | xxxxxx | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 |
| 849242 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 |
| 849262 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 11-04-2025 |
| 849270 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 |
| 849274 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-30-2025 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | .0108 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0108 | xxxxxx | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849287 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 09-26-2025 |
| 849296 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 | Eligible |  |  |
| 849299 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849315 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0006 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0006 | 08-26-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0006 | xxxxxx | Moderate | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849341 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 09-17-2025 |
| 849382 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 |
| 849387 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 |
| 849391 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 33.72 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-10-2025 |
| 849400 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849450 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-16-2025 | Eligible | 1 | 09-16-2025 |
| 849460 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-02-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849463 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-02-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849487 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.0 | 52.5 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-22-2025 |
| 849505 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 | Eligible |  |  |
| 849509 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849587 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.42 | 73.42 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 | Eligible | 1 | 09-26-2025 |
| 849818 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 68.18 | 68.18 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849819 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849820 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849839 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0741 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0741 | xxxxxx | Moderate | 09-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849843 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 15.21 | 39.5 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-24-2025 |
| 849922 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-07-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 64.8 | 64.8 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849926 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 69.09 | 69.09 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849938 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-07-2025 |
| 849984 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-02-2025 |
| 850010 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 |
| 850034 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 18.29 | 61.73 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-03-2025 |
| 850038 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-22-2025 |
| 850053 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-26-2025 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 10-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850054 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0734 | 1073 Individual Condo Report |  |  |  |  | xxxxxx | xxxxxx | .0734 | 09-01-2025 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850059 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 |
| 850069 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 |
| 850082 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 46.58 | 46.58 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850104 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850108 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 48.94 | 48.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 09-29-2025 |
| 850118 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-09-2025 |
| 850153 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-02-2025 | Eligible | 1 | 10-02-2025 |
| 850168 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.04 | 74.04 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | High | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850169 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 10-21-2025 |
| 850241 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850247 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-16-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850272 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 64.72 | 64.72 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850440 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850458 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 | Eligible | 1 | 10-13-2025 |
| 850467 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 53.98 | 53.98 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850469 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-30-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 67.5 | 67.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850471 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 09-25-2025 |
| 850476 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850478 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 56.6 | 56.6 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-20-2025 |
| 850485 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850490 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-08-2025 |
| 850514 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 10-10-2025 |
| 850560 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.02 | 79.02 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850570 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 |
| 850588 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0435 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0435 | xxxxxx | Moderate | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850596 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-24-2025 |
| 850605 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850609 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850610 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.46 | 74.46 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850616 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-15-2025 |
| 850625 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 13.89 | 32.66 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 08-21-2025 |
| 850637 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 47.18 | 79.26 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-03-2025 | Eligible | 1 | 09-03-2025 |
| 850659 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 47.56 | 47.56 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850718 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-03-2025 | Eligible | 1 | 10-03-2025 |
| 850725 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 2090 Individual Coop Report | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850728 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-12-2025 |
| 850735 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 09-24-2025 |
| 850747 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0036 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0036 | xxxxxx | Moderate | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-07-2025 | Eligible |  |  |
| 850753 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-08-2025 |
| 850769 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-16-2025 |
| 850778 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 39.76 | 39.76 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 |
| 850811 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 77.45 | 77.45 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 | Eligible | 1 | 10-16-2025 |
| 850814 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850820 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.69 | 64.69 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850828 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.0 | 55.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850830 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 63.31 | 63.31 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850847 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0207 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0207 | 10-14-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 11-13-2025 |
| 850863 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850898 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850902 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 32.39 | 32.39 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850923 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 78.94 | 78.94 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-17-2025 | Eligible | 1 | 10-17-2025 |
| 850927 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 | Eligible | 1 | 10-17-2025 |
| 850928 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 54.82 | 54.82 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850944 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 | Eligible | 1 | 10-16-2025 |
| 850953 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 47.69 | 47.69 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850955 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 47.69 | 47.69 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850956 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 09-10-2025 |
| 850958 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-09-2025 |
| 850961 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850962 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 52.5 | 52.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850978 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850984 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850993 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851001 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-09-2025 | Eligible | 1 | 10-09-2025 |
| 851092 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-07-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 67.5 | 67.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851120 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | A | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 851132 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.32 | 73.32 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 09-17-2025 |
| 851138 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0328 | 94.0 | 0.06 | xxxxxx | xxxxxx | 09-30-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | A | 09-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851149 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | A | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 |
| 851151 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.33 | 63.33 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-26-2025 |
| 851152 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 56.32 | 56.32 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 09-19-2025 |
| 851153 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 17.39 | 17.39 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 09-29-2025 |
| 851160 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | A | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 851182 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0059 | 98.0 | 0.02 | xxxxxx | xxxxxx | 08-29-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | A | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851202 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0753 | 97.0 | 0.03 | xxxxxx | Other | 09-12-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | A | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851296 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 |
| 851300 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 31.78 | 63.51 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851326 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.2 | 78.2 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-30-2025 |  |  |  |  |  |  |  |  |  |  | 4 | 02-19-2025 | Not Eligible | 2.5 | 02-19-2025 |
| 851342 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0729 | 78.0 | 0.22 | xxxxxx | xxxxxx | 10-08-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851344 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-16-2025 |
| 851346 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 |
| 851349 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-09-2025 |
| 851350 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851365 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 25.0 | 74.84 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-20-2025 |
| 851377 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 10-29-2025 |
| 851380 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 07-25-2025 |
| 851411 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 851420 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.66 | 55.66 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851454 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-10-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.1294 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1294 | xxxxxx | High | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851461 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851469 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851482 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 |
| 851545 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 | Eligible |  |  |
| 851548 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 851563 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.0 | 69.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 10-17-2025 |
| 851600 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 16.36 | 44.69 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 11-04-2025 |
| 851603 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-28-2025 | Eligible | 1 | 10-28-2025 |
| 851613 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851661 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 53.53 | 53.53 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 10-03-2025 |
| 851664 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 41.91 | 41.91 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Reasonable | 10-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851694 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.34 | 74.34 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 | Eligible |  |  |
| 851695 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 |
| 851708 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 11.11 | 42.6 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 851711 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 11-07-2025 |
| 851723 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0806 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0806 | xxxxxx | Moderate | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851756 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-23-2025 | Eligible | 2.1 | 10-23-2025 |
| 851771 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851804 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851838 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 |
| 851861 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 10-06-2025 |
| 851883 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 |
| 851897 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851927 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.63 | 63.47 | xxxxxx | xxxxxx | .0329 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0329 | 91.0 | 0.09 | xxxxxx | xxxxxx | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-14-2025 | Eligible |  |  |
| 851934 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851943 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 16.58 | 53.77 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-11-2025 |
| 851944 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 67.28 | 67.28 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 |
| 851950 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0391 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0391 | xxxxxx | Moderate | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851984 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851986 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 |
| 851988 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 42.42 | 42.42 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 |
| 851994 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852094 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852126 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 74.7 | 74.7 | xxxxxx | xxxxxx | .0131 | 1073 Individual Condo Report |  |  |  |  | xxxxxx | xxxxxx | .0131 | 09-02-2025 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852132 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.36 | 60.36 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 10-14-2025 |
| 852133 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-10-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0329 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0329 | xxxxxx | Moderate | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852138 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852144 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 20.31 | 53.52 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 |
| 852149 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852187 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-24-2025 | Eligible | 1 | 11-24-2025 |
| 852192 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-19-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 | Eligible |  |  |
| 852247 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-19-2025 | Eligible |  |  |
| 852260 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852268 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 61.22 | 61.22 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 11-24-2025 |
| 852273 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 15.82 | 63.04 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-21-2025 |
| 852280 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.07 | 62.07 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852282 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 66.89 | 66.89 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852291 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852293 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 24.12 | 24.12 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852294 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 11-10-1025 |
| 852319 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.44 | 62.44 | xxxxxx | xxxxxx | -.0259 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0259 | xxxxxx | Moderate | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852329 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-08-2025 |
| 852338 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852349 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 10-31-2025 |
| 852359 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852362 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.68 | 79.68 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 11-12-2025 |
| 852401 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-11-2025 |
| 852416 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.49 | 79.49 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-14-2025 |  |  |  |  |  |  |  |  |  |  | 3.5 | 01-22-2025 | Not Eligible | 1 | 01-22-2025 |
| 852423 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 16.78 | 57.1 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852453 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 12.68 | 79.88 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 852481 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-14-2025 |
| 852520 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.64 | 63.64 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | 75.0 | 0.25 | xxxxxx | Other | 10-16-2025 | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852521 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 31.0 | 70.44 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-13-2025 |
| 852526 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 11-19-2025 |
| 852527 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-21-2025 | Eligible | 1 | 10-21-2025 |
| 852545 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852604 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-13-2025 |
| 852614 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852615 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 10-07-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 | Eligible | 1.7 | 11-13-2025 |
| 852677 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 8.44 | 66.17 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 11-04-2025 |
| 852680 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-25-2025 |
| 852685 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 10-30-2025 |
| 852800 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-31-2025 | Eligible | 2.2 | 10-31-2025 |
| 852888 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 09-17-2025 |
| 852892 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 852931 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 10-21-2025 |
| 852952 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0274 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0274 | 10-28-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 |
| 852953 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 | Eligible | 1 | 10-27-2025 |
| 852983 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-04-2025 |
| 852986 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 853095 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.74 | 74.74 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-26-2025 | Eligible | 2.2 | 11-26-2025 |
| 853102 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-05-2025 | Eligible |  |  |
| 853124 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 11-18-2025 |
| 853132 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 64.03 | 64.03 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-13-2025 |
| 853133 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-23-2025 | Eligible | 1.1 | 10-23-2025 |
| 853143 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 |
| 853145 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-14-2025 |
| 853146 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 6.33 | 72.07 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853147 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 | Eligible |  |  |
| 853149 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 853150 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 11-07-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853152 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 11-13-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853153 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.45 | 68.45 | xxxxxx | xxxxxx | -.0118 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0118 | 11-02-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0118 | xxxxxx | Moderate | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853155 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-21-2025 | Eligible |  |  |
| 853160 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0286 | 1004 URAR | xxxxxx | xxxxxx | .0286 | Collateral Underwriter (CU) | xxxxxx | xxxxxx | .0286 | 10-25-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0286 | xxxxxx | Low | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 10-25-2025 |
| 853161 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.71 | 69.71 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 |
| 853163 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 8.06 | 64.41 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 |
| 853213 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 46.82 | 46.82 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 11-05-2025 |
| 853265 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 | Eligible | 1 | 10-15-2025 |
| 853273 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 44.31 | 44.31 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 | Eligible |  |  |
| 853278 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-12-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 | Eligible | 1 | 11-11-2025 |
| 853299 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 10-29-2025 | Not Eligible | 1 | 10-29-2025 |
| 853300 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 | Eligible | 1.8 | 11-06-2025 |
| 853322 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.82 | 58.82 | xxxxxx | 0.0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0.0 | .0000 | 11-04-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853346 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 |
| 853349 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 11-17-2025 |
| 853365 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.15 | 66.15 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853374 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-13-2025 | Eligible |  |  |
| 853386 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-20-2025 | Eligible | 1 | 10-20-2025 |
| 853387 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-21-2025 |
| 853389 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-20-2025 | Eligible | 1 | 10-20-2025 |
| 853441 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-16-2025 | Eligible | 1 | 10-16-2025 |
| 853442 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853480 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-31-2025 | Eligible | 1 | 10-31-2025 |
| 853503 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.97 | 64.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 11-12-2025 |
| 853529 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-30-2025 | Eligible |  |  |
| 853531 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0756 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0756 | xxxxxx | Moderate | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 10-30-2025 |
| 853546 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.99 | 78.99 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 | Eligible | 1.3 | 10-15-2025 |
| 853550 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 73.88 | 73.88 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 853551 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-07-2025 | Eligible | 3.5 | 11-07-2025 |
| 853553 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-06-2025 |
| 853555 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.1294 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.1294 | 11-05-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853557 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-14-2025 | Eligible |  |  |
| 853559 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 11-21-2025 |
| 853560 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-06-2025 |
| 853568 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 54.35 | 54.35 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 11-13-2025 |
| 853569 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 66.57 | 66.57 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-04-2025 |
| 853570 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.68 | 64.68 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-29-2025 |
| 853591 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 | Eligible | 1 | 10-24-2025 |
| 853594 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853598 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-14-2025 |
| 853646 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0564 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0564 | xxxxxx | Low | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 11-10-2025 |
| 853676 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 11-13-2025 | Not Eligible | 1 | 11-13-2025 |
| 853687 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853706 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 11-18-2025 |
| 853708 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 853709 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853710 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 | Eligible |  |  |
| 853713 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.2 | 67.2 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-26-2025 | Eligible |  |  |
| 853724 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-04-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 35.18 | 35.18 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853727 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 | Eligible | 1 | 10-27-2025 |
| 853773 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.32 | 74.32 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-20-2025 | Eligible |  |  |
| 853780 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 52.94 | 52.94 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-19-2025 | Eligible | 1 | 11-19-2025 |
| 853812 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 |
| 853823 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0027 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0027 | 11-04-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853826 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-29-2025 |
| 853828 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 |
| 853830 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-19-2025 |
| 853833 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 53.48 | 53.48 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-02-2025 |
| 853835 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 853836 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 |
| 853837 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.14 | 69.14 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 |
| 853841 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-24-2025 | AVM |  | xxxxxx | xxxxxx | 21.76 | 88.36 | xxxxxx | xxxxxx | .0573 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0573 | 94.0 | 0.06 | xxxxxx | xxxxxx | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853874 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 | Eligible |  |  |
| 853902 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 | Eligible |  |  |
| 853919 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-13-2025 | Eligible | 1 | 11-13-2025 |
| 853921 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 | Eligible | 1.4 | 11-06-2025 |
| 853928 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 14.37 | 60.61 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 853937 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 69.99 | 69.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2025 |
| 853955 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 78.41 | 78.41 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 853969 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 853979 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 854003 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.21 | 78.21 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-05-2025 |
| 854010 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 09-17-2025 |
| 854087 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854089 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 34.38 | 34.38 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-14-2025 |
| 854093 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 | Eligible |  |  |
| 854099 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 |
| 854137 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-22-2025 |
| 854142 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-19-2025 |
| 854147 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 57.76 | 57.76 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 | Eligible |  |  |
| 854156 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-08-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 12-09-2025 | Eligible | 1 | 12-09-2025 |
| 854166 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-13-2025 |
| 854172 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-25-2025 |
| 854176 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854189 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 854203 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 46.15 | 46.15 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854205 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 12-04-2025 |
| 854245 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 69.57 | 69.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854247 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 | Eligible | 1 | 11-13-2025 |
| 854255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.0 | 67.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854276 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 11-17-2025 |
| 854299 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 | Eligible |  |  |
| 854303 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 854315 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854316 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854318 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | low | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854341 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-23-2025 | Eligible | 1 | 10-23-2025 |
| 854343 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 11-07-2025 | Not Eligible | 1 | 11-07-2025 |
| 854349 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 854444 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 |
| 854447 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 854448 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 |
| 854455 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 10-29-2025 |
| 854483 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 38.1 | 38.1 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854485 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 |
| 854487 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 10-21-2025 |
| 854492 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 | Eligible | 1.5 | 11-20-2025 |
| 854493 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-02-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 | Eligible | 1 | 11-24-2025 |
| 854504 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 10-23-2025 | Not Eligible | 1.7 | 10-23-2025 |
| 854507 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.89 | 78.89 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 12-02-2025 |
| 854509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0800 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0800 | xxxxxx | Moderate | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854515 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 11-27-2025 |
| 854558 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 4.62 | 18.39 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854603 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-01-2025 |
| 854632 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.96 | 78.96 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 | Eligible |  |  |
| 854633 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 12-01-2025 |
| 854634 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 51.22 | 51.22 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-28-2025 | Eligible | 1.3 | 11-28-2025 |
| 854637 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 11-04-2025 |
| 854659 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 72.94 | 72.94 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-24-2025 |
| 854669 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.82 | 19.82 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 10-23-2025 |
| 854670 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 72.8 | 72.8 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-24-2025 | Eligible | 1 | 10-24-2025 |
| 854672 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-20-2025 | Eligible | 1.3 | 10-20-2025 |
| 854766 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 854773 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-28-2025 | Eligible | 1 | 11-28-2025 |
| 854845 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 10-27-2025 |
| 854847 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 |
| 854852 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-03-2025 | Eligible | 1 | 11-03-2025 |
| 854853 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0935 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0935 | xxxxxx | Moderate | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 | Eligible |  |  |
| 854854 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 | Eligible | 1 | 10-13-2025 |
| 854855 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 09-24-2025 |
| 854856 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 | Eligible | 1 | 10-31-2025 |
| 854859 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 11-17-2025 | Not Eligible |  |  |
| 854861 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 | Eligible | 2.1 | 12-09-2025 |
| 854926 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 |
| 854933 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0102 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0102 | 11-05-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 854937 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.76 | 79.76 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-13-2025 | Eligible | 1 | 11-13-2025 |
| 854938 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-13-2025 | Eligible |  |  |
| 854946 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854947 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-14-2025 | Eligible |  |  |
| 854952 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-17-2025 | Eligible | 1 | 11-17-2025 |
| 854955 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-10-2025 | Eligible |  |  |
| 854957 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 | Eligible | 1.5 | 11-11-2025 |
| 854958 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-13-2025 | Eligible | 1 | 11-13-2025 |
| 854959 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-10-2025 | Eligible | 1 | 11-10-2025 |
| 854960 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0424 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0424 | 11-04-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-04-2025 |
| 854962 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 71.92 | 71.92 | xxxxxx | xxxxxx | -.0685 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0685 | xxxxxx | Moderate | 12-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-04-2025 |
| 854968 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 51.95 | 51.95 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 | Eligible | 1 | 11-17-2025 |
| 854971 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 76.47 | 76.47 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-17-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 11-06-2025 | Eligible | 1 | 11-06-2025 |
| 854972 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-18-2025 | Eligible | 1 | 11-18-2025 |
| 854974 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.12 | 69.12 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 11-19-2025 |
| 854978 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-05-2025 | Eligible | 1.4 | 11-05-2025 |
| 854979 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-15-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 | Eligible |  |  |
| 854984 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0015 | 1073 Individual Condo Report |  |  |  |  | xxxxxx | xxxxxx | .0015 | 11-05-2025 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854990 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 854995 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 10-20-2025 |
| 855000 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.8 | 78.8 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 | Eligible | 1 | 11-17-2025 |
| 855002 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 62.57 | 62.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855005 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.65 | 69.65 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855007 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.47 | 69.47 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855008 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.83 | 75.83 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 | Eligible |  |  |
| 855010 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.9 | 69.9 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 11-03-2025 |
| 855028 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 76.94 | 76.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 11-20-2025 |
| 855040 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-06-2025 | Eligible |  |  |
| 855047 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-13-2025 |
| 855048 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855053 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-10-2025 |
| 855080 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-03-2025 | Eligible | 1 | 10-03-2025 |
| 855085 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.74 | 78.74 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-21-2025 | Eligible | 2 | 11-21-2025 |
| 855089 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855118 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 | Eligible |  |  |
| 855133 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-07-2025 | Eligible | 1 | 12-07-2025 |
| 855180 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-19-2025 | Eligible |  |  |
| 855252 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.77 | 69.77 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-05-2025 |
| 855256 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.82 | 79.82 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 10-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 10-10-2025 |
| 855312 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-08-2025 |
| 855333 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 49.38 | 49.38 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 855430 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 | Eligible | 1 | 11-24-2025 |
| 855459 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.89 | 79.89 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 | Eligible | 1 | 11-10-2025 |
| 855581 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.52 | 64.52 | xxxxxx | xxxxxx | .0032 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0032 | 11-24-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 12-10-2025 |
| 855593 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855608 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-19-2025 | Eligible | 1.4 | 11-19-2025 |
| 855632 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-21-2025 |
| 855634 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-16-2025 |
| 855646 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0463 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0463 | xxxxxx | Low | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855721 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 | Eligible | 1 | 12-05-2025 |
| 855764 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004C Manufactured Home | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 11-26-2025 |
| 855793 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855802 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.95 | 79.95 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 |
| 855809 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0127 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0127 | 10-30-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 10-30-2025 |
| 856380 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 |
| 856524 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.98 | 64.98 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-01-2025 |
| 856548 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 12-11-2025 | Not Eligible | 1.6 | 12-11-2025 |
| 856580 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 27.91 | 71.83 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856628 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856850 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0101 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-13-2025 | Eligible | 1 | 11-13-2025 |
| 856851 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0476 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0476 | xxxxxx | Moderate | 11-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 2000011307 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-05-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 15.55 | 54.21 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011504 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 37.27 | 74.88 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 |
| 2000011547 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.77 | 23.77 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-20-2025 |
| 2000011552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.1505 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxxx | -.1505 | xxxxxx | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011592 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-17-2025 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.1129 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxxx | -.1129 | xxxxxx | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011607 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-04-2025 |

---

## Exhibit 99.22

**EXHIBIT 99.22**

**clarifii multi property Valuation** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan ID | Seller Loan ID | Property ID | Note Date | Original Loan Amount | Sales Price | Primary Appraised Value | Value for LTV | Loan Reviewed Property Value | Loan Reviewed Variance Amount | Loan Reviewed Variance Percent | Loan Post-Close Reviewed Property Value | Loan Post-Close Reviewed Variance Amount | Loan Post-Close Reviewed Variance Percent | Primary Appraisal Date | Second Appraisal Value | Second Appraisal Variance Amount | Second Appraisal Variance Percent | Second Appraisal Date | Second Appraisal Type | AVM Appraised Value | AVM Variance Amount | AVM Variance Percent | AVM Confidence Score | FSD Score | AVM Company Name | AVM Product Name | AVM Appraisal Date | Desk Review Appraised Value | Desk Review Variance Amount | Desk Review Variance Percent | Desk Review Company | Desk Review Risk Score | Desk Review Appraisal Date | Desk Top Appraised Value | Desk Top Variance Amount | Desk Top Variance Percent | Desk Top Company | Desk Top Appraisal Date | BPO Appraised Value | BPO Variance Amount | BPO Variance Percent | BPO Company | BPO Appraisal Date | Field Review Appraised Value | Field Review Variance Amount | Field Review Variance Percent | Field Review Company | Field Review Appraisal Date | 2055 Appraised Value | 2055 Variance Amount | 2055 Variance Percent | 2055 Company | 2055 Appraisal Date | AVE/CMA Appraised Value | AVE/CMA Variance Amount | AVE/CMA Variance Percent | AVE/CMA Company | AVE/CMA Appraisal Date | Updated Appraised Value | Updated Variance Amount | Updated Variance Percent | Updated Company | Updated Appraisal Date | Updated Appraisal Type | Loan Collateral Advisor Risk Score | Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor? | Collateral Underwriter Risk Score | Total Adjusted Prior Purchase Price | Completion Report (1004D) Date |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-07-2025 |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 03-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 834912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 03-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.23

**EXHIBIT 99.23**

**selene diligence llc ("selene") due diligence review narrative ("report")**

![](tm264015d1_ex99-23img01.jpg)

**Selene Diligence LLC ("Selene") Due Diligence Review Narrative ("Report")**

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

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by VMC Asset Pooler, LLC ("Client"). The review was conducted between August 25, 2025 through December 24, 2025 via files imaged and provided for review (the "Review"), in connection with the Verus 2026-2 securitization.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 68 residential and 37 business purpose loans for a total of 105 loans (the "Final Securitization Population").

*<u>Credit Reviews (105):</u>*

During the Review, Selene performed a credit review on 105 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (105)</u>*

During the Review, Selene performed a compliance review, as applicable, on 105 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (105):</u>*

During the Review, Selene performed a property valuation review on 105 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (105):</u>*

During the Review, Selene performed a Data Integrity Review on 105 mortgage loans in the Final Securitization Population.

*VERUS 2026-2 Executive Summary (Selene Diligence)*

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 105 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;105 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;105 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;105 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;105 | &nbsp;&nbsp;100.00% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E, Fitch Ratings, Inc. ("Fitch") and DBRS Bond Rating Agency, LLC. (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>LOAN GRADING</u>**

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

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **2** of **18** |

---

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

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

**CREDIT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Re-calculated LTV, CLTV, income, liabilities and compared
these against the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Analyzed asset statements to determine whether funds to close
and reserves were within the guidelines; and

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

**COMPLIANCE REVIEW**

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

**PROPERTY VALUATION REVIEW**

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **3** of **18** |

---

**DATA INTEGRITY REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Tape data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Reviewer collects validated loan data;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**DSCR REVIEW**

Selene's DSCR review consisted of the below:

- 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

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

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

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 105 mortgage loans, (ii) a Compliance Review, as applicable, on 105 mortgage loans (iii) a Valuation Review on 105 mortgage loans, and (iv) a Data Integrity Review on 105 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 105 mortgage loans; 82 mortgage loans had a rating grade of A and 23 mortgage loans had a rating grade of B.

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **4** of **18** |

---

***Grades per loan (105 overall loans):***

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | **INITIAL RA GRADES - OVERALL** | | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** | **FINAL RA GRADES - OVERALL** |
| **NRSRO Grade** | **Fitch** | **Fitch %** | **DBRS** | **DBRS %** | **NRSRO Grade** | **Fitch** | **Fitch %** | **DBRS** | **DBRS %** |
| A | 33 | 31.43% | 33 | 31.43% | A | 82 | 78.10% | 82 | 78.10% |
| B | 5 | 4.76% | 5 | 4.76% | B | 23 | 21.90% | 23 | 21.90% |
| C | 30 | 28.57% | 30 | 28.57% | C | 0 | 0.00% | 0 | 0.00% |
| D | 37 | 35.24% | 37 | 35.24% | D | 0 | 0.00% | 0 | 0.00% |
|  | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** | **FINAL RA GRADES - COMPLIANCE** |  | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** | **FINAL RA GRADES - CREDIT** |
| **NRSRO Grade** | **Fitch** | **Fitch %** | **DBRS** | **DBRS %** | **NRSRO Grade** | **Fitch** | **Fitch %** | **DBRS** | **DBRS %** |
| A | 102 | 97.14% | 102 | 97.14% | A | 85 | 80.95% | 85 | 80.95% |
| B | 3 | 2.86% | 3 | 2.86% | B | 20 | 19.05% | 20 | 19.05% |
| C | 0 | 0.00% | 0 | 0.00% | C | 0 | 0.00% | 0 | 0.00% |
| D | 0 | 0.00% | 0 | 0.00% | D | 0 | 0.00% | 0 | 0.00% |
|  | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** | **FINAL RA GRADES - PROPERTY** |  |  |  |  |  |
| **NRSRO Grade** | **Fitch** | **Fitch %** | **DBRS** | **DBRS %** |  |  |  |  |  |
| A | 105 | 100.00% | 105 | 100.00% |  |  |  |  |  |
| B | 0 | 0.00% | 0 | 0.00% |  |  |  |  |  |
| C | 0 | 0.00% | 0 | 0.00% |  |  |  |  |  |
| D | 0 | 0.00% | 0 | 0.00% |  |  |  |  |  |

---

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **5** of **18** |

---

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

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

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

Selene furnished the following reports on this transaction:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;3. Grading Summary

&nbsp;&nbsp;&nbsp;&nbsp;4. Exception Detail

&nbsp;&nbsp;&nbsp;&nbsp;5. Tape Discrepancies

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

&nbsp;&nbsp;&nbsp;&nbsp;7. Supplemental Data

&nbsp;&nbsp;&nbsp;&nbsp;8. ATR/QM Report

&nbsp;&nbsp;&nbsp;&nbsp;9. Third Party (TPR) Attestation Form

&nbsp;&nbsp;&nbsp;&nbsp;10. Attestation Form 15E

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **6** of **18** |

---

**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

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **7** of **18** |

---

**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;

&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;

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **8** of **18** |

---

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the
borrowers' address history and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any issues
have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with the
borrowers' profiles and confirm the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information
obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage
file information is complete, accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine
that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property
type, transaction type (maximum loan amount, loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the
guidelines and information in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm
that applicable documents have been recorded or have been sent for recording.

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **9** of **18** |

---

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **10** of **18** |

---

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

&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):** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **11** of **18** |

---

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **12** of **18** |

---

**SCHEDULE I**

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 489/344 (Division 1.6 of the Financial Code)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **13** of **18** |

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **14** of **18** |

---

**APPENDIX C – VALUATION REVIEW SCOPE**

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

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

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

Disclaimer

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **15** of **18** |

---

**APPENDIX D – DSCR SCOPE**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm tenant is a natural person

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **16** of **18** |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm lease does not contain "lease to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each lease contains the monthly rental payment, commencement and expiration dates, and term and remaining
term are in compliance with the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm rent, vacancy and lease commencement/expiration consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the Loan File to ensure that the value meets the guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the guidelines. Specifically, Selene will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Confirm the appraisal is the correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Review property condition and type; confirm it meets guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review that value meets the minimum/maximum per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Confirm "as is" and "subject to" values

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Review sales comparables and adjustments for relevance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For multifamily properties: review the appraiser's cash flow assumptions, rent comparables, cap
rate selection and value reconciliation

&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Insurance Review** 

Selene reviewed each Loan File to ensure that the property, flood, and hazard insurance policies are in compliance with the guidelines.

In the event the property is located within 25 miles of the Gulf of Mexico or the Atlantic Coast of Florida, Georgia, South Carolina, or North Carolina, Selene confirmed property has windstorm or "named storm" coverage.

&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Collateral Analysis** 

Selene reviewed each Loan File to determine whether it contains the following collateral documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Executed Leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rent Roll

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Rental Income Verification (proof of lease payments that demonstrate minimum 90% of scheduled gross rents for the previous two-month
period.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Operating Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Property Management Agreement

&nbsp;&nbsp;&nbsp;&nbsp;**f)** **Financial Analysis / Cash Flow Analysis** 

Selene reviewed each Loan File to determine whether it contains the following financial documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Rent Roll:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm monthly rents are populated correctly at the loan level and portfolio level

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm Rent verification – proof of lease payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm vacancy is within guidelines

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **17** of **18** |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Operating Statements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm expenses within range, per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm taxes, insurance and HOA are populated at loan level and within range at portfolio level per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm CapEx meets guidelines for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm annual maintenance fees meet guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm the DSCR meets program guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property Management Agreement / Tri Party Agreement if no property manager

---

| | |
|:---|:---|
| *VERUS 2026-2 Executive Summary (Selene Diligence)* | Page **18** of **18** |

---

## Exhibit 99.24

**EXHIBIT 99.24**

**selene rating agency grades detail report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 844352 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-24 11:03 | 2025-12-09 09:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-12/09/2025 <br> Waived-Housing History Does Not Meet Guideline Requirements Exception page 258<br> Exception Reason: Housing History- Loan File No Cancelled Checks, GL Requirement 1x30x12 month<br> Received VOR showing rent 9 yrs but missing cancelled checks - Due Diligence Vendor-12/09/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-12/09/2025 <br> Waived-Housing History Does Not Meet Guideline Requirements Exception page 258<br> Exception Reason: Housing History- Loan File No Cancelled Checks, GL Requirement 1x30x12 month<br> Received VOR showing rent 9 yrs but missing cancelled checks - Due Diligence Vendor-12/09/2025 |  | Credit Score - Loan File 733, GL Requirement Min 700<br> Tradelines - Loan File 5 since xxxxxx, GL Requirement 2 x24 months<br> Investor Experience- Loan File 1 other investment property<br>|  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844352 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-23 22:09 | 2025-10-27 05:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Seller-10/24/2025 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/27/2025 |  | Credit Score - Loan File 733, GL Requirement Min 700<br> Tradelines - Loan File 5 since xxxxxx, GL Requirement 2 x24 months<br> Investor Experience- Loan File 1 other investment property<br> DSCR - Loan File 1.146, GL Requirement 1.0<br> Personal Guaranty with Full Recourse | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 846369 | xxxxxx | C A | Closed | xxxxxx | 2025-11-14 12:11 | 2026-01-14 07:11 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-Resolved, This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 487 and the Final Closing disclosure on page 190 reflects escrows. Rate lock date was entered correctly – see page 553. An interior and exterior appraisal was completed for this property – see page 56, 85 , the appraisal disclosure was provided to the borrower(s)- see page 610, 611 and copy of the appraisal was given to the borrower – see page 56 e-signed. The loan meets HPML guidelines. - Due Diligence Vendor-11/20/2025 <br> Counter-Counter, Missing copy of proof the appraisal was given to the borrower. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Unclear what is needed - Seller-11/19/2025 <br> Open-The loan's (8.55%) APR equals or exceeds the Federal HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(i)) Missing receipt that the borrower was given the appraisal.<br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 487 and the Final Closing disclosure on page 190 reflects escrows. Rate lock date was entered correctly – see page 553. An interior and exterior appraisal was completed for this property – see page 56, 85 , the appraisal disclosure was provided to the borrower(s)- see page 610, 611 and copy of the appraisal was given to the borrower – see page missing. The loan does not meet HPML guidelines. - Due Diligence Vendor-11/14/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. Unclear what is needed - Seller-11/19/2025 | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-Resolved, This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 487 and the Final Closing disclosure on page 190 reflects escrows. Rate lock date was entered correctly – see page 553. An interior and exterior appraisal was completed for this property – see page 56, 85 , the appraisal disclosure was provided to the borrower(s)- see page 610, 611 and copy of the appraisal was given to the borrower – see page 56 e-signed. The loan meets HPML guidelines. - Due Diligence Vendor-11/20/2025 |  |  | xxxxxx signed initials.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846462 | xxxxxx | C A | Closed | xxxxxx | 2025-08-27 00:33 | 2025-09-16 11:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Updated asset page. Meets guidelines received source of funds for large deposit - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Large Deposit check. Along with Settlement statement and email from title . This is a transaction that had been going on for a while so this was a re-issuance of a check for this transaction. - Seller-09/12/2025 <br> Counter-Looks to be same 1003 in the file and need to now source of the funds that is being deposited into the account. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Updated 1003 with assets and check to source large deposit that is now being used - Seller-09/10/2025 <br> Counter-After closing and paying 11,273.17 at closing borrower only has 1.56 months of reserves with the bank statements provided. Guidelines requires 3 months. Borrower is short . - Due Diligence Vendor-09/05/2025 <br> Ready for Review-We have 3 months reserves. If this does not clear the condition, please provide more clarification - Seller-09/04/2025 <br> Open-Audited Reserves of 1.56 month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Provide additional Assets. We have verified Total Qualified Assets $14,700.18; However, it is not meeting the requirements, provide additional Assets to meet Reserves Requirement. Total Reserve Amount Shortage of $3,181. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Large Deposit check. Along with Settlement statement and email from title . This is a transaction that had been going on for a while so this was a re-issuance of a check for this transaction. - Seller-09/12/2025 <br> Ready for Review-Document Uploaded. Updated 1003 with assets and check to source large deposit that is now being used - Seller-09/10/2025 <br> Ready for Review-We have 3 months reserves. If this does not clear the condition, please provide more clarification - Seller-09/04/2025 | Resolved-Updated asset page. Meets guidelines received source of funds for large deposit - Due Diligence Vendor-09/16/2025 |  |  | Large Deposit.pdf<br> 1003.pdf<br> Large Deposit.pdf<br> Email.pdf<br> 05 - LRG DEP SETTLEMENT STMT .pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846462 | xxxxxx | C A | Closed | xxxxxx | 2025-08-27 00:00 | 2025-09-05 06:31 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Cleared Fraud Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-09/05/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/04/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 08/06/2025 on page#27 a clear fraud report is required. The fraud report in file pg#299 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/04/2025 | Resolved-Cleared Fraud Report uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-09/05/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/05/2025 |  |  | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846462 | xxxxxx | C A | Closed | xxxxxx | 2025-08-27 00:47 | 2025-09-05 04:57 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Proof to verify EMD fund of $5k uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. EMD funds - Seller-09/04/2025 <br> Open-We have Earnest Money Funds $135,000 as per the Final HUD-1 but proof of document is missing in file, We have proof of amount $130,000 in file and Requited another $5,000 proof of document. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. EMD funds - Seller-09/04/2025 | Resolved-Proof to verify EMD fund of $5k uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-09/05/2025 |  |  | EMD 5k.pdf<br> EMD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846462 | xxxxxx | C A | Closed | xxxxxx | 2025-08-27 00:44 | 2025-09-05 04:56 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-The calculated DSCR matches the uploaded DSCR worksheet , Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. DSCR calculator - Seller-09/04/2025 <br> Open-Correctly calculated DSCR Ratio is Rent amount$2,500/PITIA$2,202.67 = 1.135 DSCR and Originator Consider DSCR Ratio is Rent amount$2,500/PITIA$2,410.40 = 1.037, Variance is 0.098. Due to Originator Consider Loan amount xxxxxx & P&I amount $2,070.47 but as per Note & 1008 Loan amount is xxxxxx & P&I amount is $1,862.75. DSCR Calculation worksheet on page#406. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. DSCR calculator - Seller-09/04/2025 | Resolved-The calculated DSCR matches the uploaded DSCR worksheet , Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/05/2025 |  |  | DSCR.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847032 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-05 13:23 | 2025-09-12 11:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Certified copy of Final HUD from Settlement Agent provided. Updated & Resolved. - Due Diligence Vendor-09/10/2025 <br> Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Certified copy of Final HUD received from Settlement Agent - Seller-09/09/2025 <br> Open-Final HUD-1 Document is Missing. Provide the updated FINAL HUD-1 Document with Settlement Agent Signature. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Certified copy of Final HUD received from Settlement Agent - Seller-09/09/2025 | Resolved-Certified copy of Final HUD from Settlement Agent provided. Updated & Resolved. - Due Diligence Vendor-09/10/2025 <br> Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-09/10/2025 |  |  | xxxxxx Final SS.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847032 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-05 12:55 | 2025-09-11 03:28 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/11/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/10/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 08/06/2025 on page#27 a clear fraud report is required. The fraud report in file pg#221 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/10/2025 | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/11/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/11/2025 |  |  | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847306 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-12 11:09 | 2025-09-22 01:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Updated Final HUD-1 or Final Settlement Statement with Seller Settlement Agent Signature uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/22/2025 <br> Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Final HUD signed by all parties - Seller-09/19/2025 <br> Open-Final HUD-1 Document is Missing. Provide the updated FINAL HUD-1 Document with Seller Settlement Agent Signature. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Final HUD signed by all parties - Seller-09/19/2025 | Resolved-Updated Final HUD-1 or Final Settlement Statement with Seller Settlement Agent Signature uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/22/2025 <br> Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-09/22/2025 |  |  | xxxxxx Final SS.pdf<br> xxxxxx Signed FSS.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847306 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-12 10:58 | 2025-09-18 03:12 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/18/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/17/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 09/05/2025 on page#27 a clear fraud report is required. The fraud report in file pg#205 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/17/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-09/18/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/18/2025 |  |  | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847308 | xxxxxx | C A | Closed | xxxxxx | 2025-09-05 02:24 | 2025-09-11 04:28 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/11/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/10/2025 <br> Open-Fraud Report Shows Uncleared Alerts As per xxxxxx DSCR version 08/06/2025 page 27, need to clear all alerts on fraud report but fraud report shows one uncleared alert on high category.<br> - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/10/2025 | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/11/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/11/2025 |  |  | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847479 | xxxxxx | D A | Closed | xxxxxx | 2025-09-05 05:27 | 2025-09-19 01:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard insurance Policy no is missing , provided Updated Hazard Insurance document, changes made in system , Finding Resolved - Due Diligence Vendor-09/19/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Updated Insurance - Seller-09/18/2025 <br> Open-Hazard Insurance Policy Partially Provided Provide updated hazard insurance as the one on file is missing policy number. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Updated Insurance - Seller-09/18/2025 | Resolved-Hazard insurance Policy no is missing , provided Updated Hazard Insurance document, changes made in system , Finding Resolved - Due Diligence Vendor-09/19/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/19/2025 |  |  | HOI.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847479 | xxxxxx | D A | Closed | xxxxxx | 2025-09-05 05:30 | 2025-09-11 14:15 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/11/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 08.08.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 197) is showing 1 high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/11/2025 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/11/2025 |  |  | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847479 | xxxxxx | D A | Closed | xxxxxx | 2025-09-05 05:44 | 2025-09-11 14:14 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Received worksheet DSCR is in line. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. DSCR Calc - Seller-09/11/2025 <br> Open-Audited DSCR is 1.241 which is based off Rent $2,575/ PITIA $2,047.67 (P&I $1,861.66 + Tax xxxxxx + Hazard xxxxxx) = 1.241<br>Provide lender DSCR worksheet as it is missing from file, hence unable to validate the lender's DSCR calculations to determine if there is a variance. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. DSCR Calc - Seller-09/11/2025 | Resolved-Received worksheet DSCR is in line. - Due Diligence Vendor-09/11/2025 |  |  | DSCR.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848148 | xxxxxx | D A | Closed | xxxxxx | 2025-10-13 23:22 | 2025-10-17 04:46 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Resolved, received post CD showing prepayment penalty as 15,593 to match prepay on note. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. As per Prepayment Note addendum Prepayment penalty Amount $15,592.5, where as Final Closing disclosure Reflecting as $9745 . - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025 | Resolved-Resolved, received post CD showing prepayment penalty as 15,593 to match prepay on note. - Due Diligence Vendor-10/17/2025 |  |  | xxxxxx Corrected CD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848148 | xxxxxx | D A | Closed | xxxxxx | 2025-10-15 09:58 | 2025-10-17 04:41 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved, received intent to proceed. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Counter-Counter, Intent to proceed is required for all first lien loans.. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-This is an investment property so not required right? - Seller-10/15/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Tracking disclosure shows intent to proceed signed on 08/19/2025 however missing from file. - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Ready for Review-This is an investment property so not required right? - Seller-10/15/2025 | Resolved-Resolved, received intent to proceed. - Due Diligence Vendor-10/17/2025 |  |  | xxxxxx ITP.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848148 | xxxxxx | D A | Closed | xxxxxx | 2025-10-13 21:41 | 2025-10-17 04:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Resolved, received initial business purpose affidavit. - Due Diligence Vendor-10/17/2025 <br> Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Counter-Counter, document provided signed at closing missing business affidavit signed at origination. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. It's a combined document. - Seller-10/15/2025 <br> Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Missing Business purpose at origination. Only final in file. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Ready for Review-Document Uploaded. It's a combined document. - Seller-10/15/2025 | Resolved-Resolved, received initial business purpose affidavit. - Due Diligence Vendor-10/17/2025 <br> Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-10/17/2025 |  |  | xxxxxx.pdf<br> xxxxxx Prepayment Rider.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848148 | xxxxxx | D A | Closed | xxxxxx | 2025-10-15 10:32 | 2025-10-17 04:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-Resolved, received 2nd page of prepayment rider. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-Prepayment rider is missing page 2 with signatures. Only page one (1) in file. - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025 | Resolved-Resolved, received 2nd page of prepayment rider. - Due Diligence Vendor-10/17/2025 |  |  | INITIAL DISCLOSURES.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849355 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-12 20:35 | 2025-11-14 05:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-11/14/2025 |  | Credit Score- Loan File 754, GL Requirement Min 700<br> Reserves- Loan File 14.57 months , GL Requirement Min 2 months<br> DSCR- Loan File 1.233, GL Requirement 1.0<br> LTV _ Loan File 58.78%, GL Requirement Max 80%<br> Personal Guaranty with Full Recourse | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 849368 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-30 04:42 | 2025-11-04 06:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Seller-11/03/2025 <br> Open-Guidelines do not allow entity to sign note Exception for Borrower signing for LLC required. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/03/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-11/04/2025 |  | Personal Guaranty with full recourse executed by borrower present in file <br> LTV 54.13 < Max allowed of 75%<br> FICO 731 > Min allowed 700 | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 849749 | xxxxxx | B A | Closed | xxxxxx | 2025-11-14 23:50 | 2025-11-18 09:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors:<br> Exception is Provided on page no#541, Exception For "cash-out proceeds to borrower is short approximately 3 months to cover reserve requirements". Subject Months Reserves Loan File is 3 , Guideline Requirement is 6. - Due Diligence Vendor-11/15/2025 |  | Waived-Client elects to waive with the following compensating factors:<br> Exception is Provided on page no#541, Exception For "cash-out proceeds to borrower is short approximately 3 months to cover reserve requirements". Subject Months Reserves Loan File is 3 , Guideline Requirement is 6. - Due Diligence Vendor-11/15/2025 |  | Credit Score is 707. Minimum required per guidelines is 700.<br> Residual Income is $6752.1. Minimum Residual Income required per guidelines is $2500. <br> Borrower Housing History is 0X30, 12 months. Housing History required per guidelines is 1X30, 12 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 849759 | xxxxxx | D A | Closed | xxxxxx | 2025-10-29 09:58 | 2025-10-31 08:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Resolved, received Closing Disclosure Missing closing disclosure dated xxxxxx with coinciding change of circumstances. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Counter-Counter, files uploaded have boxes with X's in them through the dates and certain information needed. File is corrupt upload again. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosure dated xxxxxx with coinciding change of circumstances if applicable. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 | Resolved-Resolved, received Closing Disclosure Missing closing disclosure dated xxxxxx with coinciding change of circumstances. - Due Diligence Vendor-10/31/2025 |  |  | xxxxxx items.pdf<br> xxxxxx CD.pdf<br> xxxxxx CC3.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849759 | xxxxxx | D A | Closed | xxxxxx | 2025-10-29 09:57 | 2025-10-31 08:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved, received loan estimates dated xxxxxx with coinciding change of circumstances. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Counter-Counter, files uploaded have boxes with X's in them through the dates and certain information needed. File is corrupt upload again. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Missing loan estimates dated xxxxxx with coinciding change of circumstances if applicable. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 | Resolved-Resolved, received loan estimates dated xxxxxx with coinciding change of circumstances. - Due Diligence Vendor-10/31/2025 |  |  | xxxxxx items.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC 2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849763 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 02:48 | 2025-12-12 06:14 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved. The COC for the increased in the Broker Fees from $19,800 to $21, 000 and the Increase of the Loan Discount point from $1700 to $2275 (0.325%) on the Final CD received. - Due Diligence Vendor-12/12/2025 <br> Counter-Provide the COC for the increased in the Broker Fees from $19,800 to $21, 000 and the Increase of the Loan Discount point from $1700 to $2275 (0.325%) on the Final CD - Due Diligence Vendor-12/12/2025 <br> Resolved- - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open-Broker Fees and Loan Discount Fee increased from Initial Closing Disclosure 09/26/2025 page 268 to Final Disclosure xxxxxx page 261<br> Broker Fee- $19,800 to $21,000<br> Loan Amount fee $2275 added to Final CD - Due Diligence Vendor-12/08/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 | Resolved-Resolved. The COC for the increased in the Broker Fees from $19,800 to $21, 000 and the Increase of the Loan Discount point from $1700 to $2275 (0.325%) on the Final CD received. - Due Diligence Vendor-12/12/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> CC .075.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849763 | xxxxxx | D A | Closed | xxxxxx | 2025-12-08 02:48 | 2025-12-12 06:11 | Resolved | 1 - Information C A | Compliance | xxxxxx | Fees: Limited | Open- - Due Diligence Vendor-12/12/2025 <br> Resolved-Resolved. Foreclosure prevention fee is listed on the settlement statement - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. xxxxxx statement attached. - Seller-12/11/2025 <br> Counter-Provide xxxxxx Statement or other documentation that reflects the xxxxxx Foreclosure Prevention Fee iao $80.00 was captured or provide a PCCD with naming convention correction - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open-xxxxxx requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "xxxxxx Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (xxxxxx 61.24; xxxxxx 31.04.015(24)) Provide supporting xxxxxx Statement or other supporting documentation that reflects the xxxxxx Foreclosure Prevention Fee aio $80.00 - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. xxxxxx statement attached. - Seller-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 | Resolved-Resolved. Foreclosure prevention fee is listed on the settlement statement - Due Diligence Vendor-12/12/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849763 | xxxxxx | D A | Closed | xxxxxx | 2025-12-10 09:53 | 2025-12-11 10:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Document Uploaded. Resolved. Revised CD dated xxxxxx and COC received. - Due Diligence Vendor-12/11/2025 <br> Counter-Received Revised LE's dated xxxxxx. Received Revised CD's dated xxxxxx and related COC's in Insufficient COC Findings. Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD's dated xxxxxx and related COC's - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/10/2025 | Resolved-Document Uploaded. Resolved. Revised CD dated xxxxxx and COC received. - Due Diligence Vendor-12/11/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CD.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849763 | xxxxxx | D A | Closed | xxxxxx | 2025-12-10 08:26 | 2025-12-11 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Resolved. Asset Worksheet received. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Open-Provide Asset Worksheet for R/T Refinance - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025 | Resolved-Resolved. Asset Worksheet received. - Due Diligence Vendor-12/11/2025 |  |  | xxxxxx Asset Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849763 | xxxxxx | D A | Closed | xxxxxx | 2025-12-11 06:34 | 2025-12-11 06:37 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Updated delivery date to xxxxxx - Due Diligence Vendor-12/11/2025 <br> Resolved- - Due Diligence Vendor-12/11/2025 <br> Open-You submitted a Prior Closing Disclosure Received Date (xxxxxx) earlier than the Prior Closing Disclosure Date Issued (xxxxxx). The System cannot perform a Reg Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) . - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 |  | Resolved-Updated delivery date to xxxxxx - Due Diligence Vendor-12/11/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849772 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-13 20:30 | 2025-10-17 04:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-Guidelines do not allow entity to sign note Note is signed by xxxxxx and xxxxxx on behalf of Business Entity, xxxxxx Provide Exception. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/17/2025 |  | LTV- Loan File 65%, GL Requirement Min 75%<br> DSCR - Loan File 1.444/ GL Requirement 1.0<br> Credit Score - Loan File 721, GL Requirement Min 700<br> Reserves- Loan File 20.99, GL Requirement Min 6 months<br> Personal Guaranty with full recourse executed by borrower present in file | Cure Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 849774 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-17 01:45 | 2025-10-30 05:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Guidelines do not allow entity to sign note UW Exception allowing Borrower to sign as member of LLC required. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/30/2025 |  | 759 FICO > minimum required of 700<br> LTV 70.37 < max allowed of 75%<br> Personal Guaranty with full recourse executed by borrower present in file | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 849774 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-17 02:43 | 2025-10-23 04:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-Requested Prepayment Rider Provided, updated & condition resolved. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Missing Prepayment Rider - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025 | Resolved-Requested Prepayment Rider Provided, updated & condition resolved. - Due Diligence Vendor-10/23/2025 |  |  | Signed loan docs including PPP rider.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849774 | xxxxxx | D B A | Closed | xxxxxx | 2025-10-17 02:45 | 2025-10-23 02:38 | Resolved | 1 - Information D A | Credit | Eligibility | Prepayment Penalty Does Not Meet Guideline Requirements | Resolved-Invalid Condition, There is no term in Guidelines stating that max prepayment penalty is allowed for 3 Years only hence condition resolved. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-We are not capped at 3 years. - Seller-10/22/2025 <br> Open-Prepayment Addendum reflects Prepayment expiration date xxxxxx or 5 year term. 5 year prepayment term exceeds 3 year term per guidelines. - Due Diligence Vendor-10/17/2025 | Ready for Review-We are not capped at 3 years. - Seller-10/22/2025 | Resolved-Invalid Condition, There is no term in Guidelines stating that max prepayment penalty is allowed for 3 Years only hence condition resolved. - Due Diligence Vendor-10/23/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849779 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-15 08:40 | 2025-10-20 13:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-Guidelines do not allow entity to sign note Exception required allowing Borrower to sing as member of LLC. - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/20/2025 |  | 8.62 months reserves > required 2 months<br> 774 FICO > required 700<br> Personal Guaranty with full recourse executed by borrower present in file | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 849780 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-24 09:43 | 2025-10-28 05:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Seller-10/27/2025 <br> Open-Loan does not conform to program guidelines Business Entity is not limited to ownership and management of real estate. Provide Exception - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. - Seller-10/27/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-10/28/2025 |  | Credit Score- Loan File 746, GL Requirement Min 700<br> Reserves- Loan File 9.74 months, GL Requirement Min 2 months<br> DSCR- Loan File 1.580, GL Requirement 1.0<br> Investor Experience- Loan File Heavily Experienced Investor<br> Personal Guaranty with Full Recourse | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 849780 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-24 02:53 | 2025-10-27 05:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Seller-10/24/2025 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/27/2025 |  | Credit Score- Loan File 746, GL Requirement Min 700<br> Reserves- Loan File 9.74 months, GL Requirement Min 2 months<br> DSCR- Loan File 1.580, GL Requirement 1.0<br> Personal Guaranty with Full Recourse | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 849787 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-02 19:55 | 2025-12-12 04:13 | Resolved | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Tolerance Cure (xxxxxx) | Resolved-Resolved, received post cd with cure. - Due Diligence Vendor-12/12/2025 <br> Resolved-Resolved, received post CD with cure. - Due Diligence Vendor-12/12/2025 <br> Resolved- - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Cure attached. - Seller-12/11/2025 <br> Counter-Missing COC for xxxxxx CD for increase in points ($1,653.75) difference of 219.75 from baseline and for the final CD lender credit in the amount of $5.00. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Missing COC for xxxxxx CD for increase in points (xxxxxx) difference of xxxxxx from baseline and for the final CD lender credit in the amount of $5.00. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Can we confirm the total cure needed? - Seller-12/05/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($5.00) were applied to the total fee variance of ($219.75) 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. Missing COC for xxxxxx CD for increase in points and for the final CD lender credit. - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Cure attached. - Seller-12/11/2025 <br> Ready for Review-Can we confirm the total cure needed? - Seller-12/05/2025 | Resolved-Resolved, received post cd with cure. - Due Diligence Vendor-12/12/2025 <br> Resolved-Resolved, received post CD with cure. - Due Diligence Vendor-12/12/2025 |  |  | xxxxxx - LOX.pdf<br> xxxxxx - LOX.pdf<br> xxxxxx - xxxxxx.pdf<br> xxxxxx - xxxxxx.pdf<br> PCCD - xxxxxx.pdf<br> xxxxxx - Check.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849787 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-02 19:55 | 2026-01-14 07:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-Resolved, Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 365 and the Final Closing disclosure on page 202 reflects escrows. Rate lock date was entered correctly – see page 399. An interior and exterior appraisal was completed for this property – see page 24, the appraisal disclosure was provided to the borrower(s)- see page 457 and copy of the appraisal was given to the borrower – see page 184. - Due Diligence Vendor-12/12/2025 <br> Resolved-. - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/12/2025 <br> Resolved-The loan's (8.274%) APR equals or exceeds the Federal HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(i)) Resolved, The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 365 and the Final Closing disclosure on page 202 reflects escrows. Rate lock date was entered correctly – see page 399. An interior and exterior appraisal was completed for this property – see page 24, the appraisal disclosure was provided to the borrower(s)- see page 457 and copy of the appraisal was given to the borrower – see page 184. - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-Resolved, Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 365 and the Final Closing disclosure on page 202 reflects escrows. Rate lock date was entered correctly – see page 399. An interior and exterior appraisal was completed for this property – see page 24, the appraisal disclosure was provided to the borrower(s)- see page 457 and copy of the appraisal was given to the borrower – see page 184. - Due Diligence Vendor-12/12/2025 <br> Resolved-. - Due Diligence Vendor-12/12/2025 <br> Resolved-The loan's (8.274%) APR equals or exceeds the Federal HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(i)) Resolved, The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 365 and the Final Closing disclosure on page 202 reflects escrows. Rate lock date was entered correctly – see page 399. An interior and exterior appraisal was completed for this property – see page 24, the appraisal disclosure was provided to the borrower(s)- see page 457 and copy of the appraisal was given to the borrower – see page 184. - Due Diligence Vendor-12/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849937 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850180 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850634 | xxxxxx | D A | Closed | xxxxxx | 2025-10-30 23:58 | 2025-11-30 23:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Section 8.4.1 of guidelines state the requirements for full doc transactions, Verified - Resolved - Due Diligence Vendor-12/01/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/01/2025 <br> Ready for Review-I disagree. This loan is a 12 mos. CPA P&L loan program. 8.4.1 Full Doc for Stand Alone Other Requirements requires 3rd party VOE within 30 days of the note date. This does not apply to this loan because it is not a Full Doc loan. Please clear this finding. - Seller-11/28/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Required Updated VVOE document. - Due Diligence Vendor-10/31/2025 | Ready for Review-I disagree. This loan is a 12 mos. CPA P&L loan program. 8.4.1 Full Doc for Stand Alone Other Requirements requires 3rd party VOE within 30 days of the note date. This does not apply to this loan because it is not a Full Doc loan. Please clear this finding. - Seller-11/28/2025 | Resolved-Section 8.4.1 of guidelines state the requirements for full doc transactions, Verified - Resolved - Due Diligence Vendor-12/01/2025 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/01/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850634 | xxxxxx | D A | Closed | xxxxxx | 2025-11-12 08:16 | 2025-11-17 10:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Resolved. Client clarification received. xxxxxx has been updated to reflect. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Patriot Act Form showing a notary public validated and verified the identity of B2 xxxxxx. Please take note that a photo-ID is not required for agency and non-qm loans, this only apples to government loans like xxxxxx. Please clear this finding. - Seller-11/14/2025 <br> Open-Borrower 2 Photo Identification Missing. Please provide valid photo identification per guideline requirements. Photo ID for B2 was not provided in file. A copy of the driver's license is required to validate the information provided of the xxxxxx Patriot Act - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. Please see attached xxxxxx Patriot Act Form showing a notary public validated and verified the identity of B2 xxxxxx. Please take note that a photo-ID is not required for agency and non-qm loans, this only apples to government loans like xxxxxx. Please clear this finding. - Seller-11/14/2025 | Resolved-Resolved. Client clarification received. xxxxxx has been updated to reflect. - Due Diligence Vendor-11/17/2025 |  |  | xxxxxx Information Form B2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850655 | xxxxxx | A | Closed | xxxxxx | 2025-10-06 20:08 | 2026-01-14 07:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.518%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#281 and the Final Closing disclosure on Pg#112. Rate lock date was entered correctly see Pg#'s 111, An interior and exterior appraisal was completed for this property – see pg 42, 57-62 the appraisal disclosure was provided to the borrower(s) Pg#326, 104 and copy of the appraisal was given to the borrower see Pg#326, 104 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-10/07/2025 <br> Open- - Due Diligence Vendor-10/07/2025 <br> Open- - Due Diligence Vendor-10/07/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.518%) APR equals or exceeds the Federal HPML threshold of (8.13%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#281 and the Final Closing disclosure on Pg#112. Rate lock date was entered correctly see Pg#'s 111, An interior and exterior appraisal was completed for this property – see pg 42, 57-62 the appraisal disclosure was provided to the borrower(s) Pg#326, 104 and copy of the appraisal was given to the borrower see Pg#326, 104 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-10/07/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850683 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850692 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 850694 | xxxxxx | D A | Closed | xxxxxx | 2025-10-17 04:56 | 2025-10-23 09:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested Final 1003 Provided with complete 1-9 pages, updated & condition resolved. - Due Diligence Vendor-10/23/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-The Final 1003 is Incomplete final 1003 is incomplete . Missing pages 5,8 and 9. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025 | Resolved-Requested Final 1003 Provided with complete 1-9 pages, updated & condition resolved. - Due Diligence Vendor-10/23/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-10/23/2025 |  |  | xxxxxx 1008.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 850700 | xxxxxx | D A | Closed | xxxxxx | 2025-11-20 04:04 | 2025-11-24 09:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Resolved. Documentation for the xxxxxx Benefits iao $1908.19 received - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. - Seller-11/24/2025 <br> Open-Final 1003 reflects other Income - xxxxxx Benefits iao $1,908.19. Provide documentation for the xxxxxx Benefits iao $1908.19. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-11/24/2025 | Resolved-Resolved. Documentation for the xxxxxx Benefits iao $1908.19 received - Due Diligence Vendor-11/24/2025 |  |  | xxxxxx Benefit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850700 | xxxxxx | D A | Closed | xxxxxx | 2025-11-20 03:53 | 2026-01-14 07:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.233%) APR equals or exceeds the Federal HPML threshold of (7.81%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.31%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 316-317 and the Final Closing disclosure on Pg#'s 197 reflects escrows. Rate lock date was entered correctly – see Pg#'s 355 An interior and exterior appraisal was completed for this property – see pg 39-44 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 423 , and copy of the appraisal was given to the borrower – see Pg#'s 183 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.233%) APR equals or exceeds the Federal HPML threshold of (7.81%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.31%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 316-317 and the Final Closing disclosure on Pg#'s 197 reflects escrows. Rate lock date was entered correctly – see Pg#'s 355 An interior and exterior appraisal was completed for this property – see pg 39-44 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 423 , and copy of the appraisal was given to the borrower – see Pg#'s 183 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/20/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 850703 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-12 07:35 | 2025-11-14 06:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received closing disclosures for other properties showing additional accounts being paid off and the PITIA. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosure being used as assets from the refinance of xxxxxx. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 | Resolved-Resolved, received closing disclosures for other properties showing additional accounts being paid off and the PITIA. - Due Diligence Vendor-11/14/2025 |  |  | xxxxxx CD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850703 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-12 07:20 | 2025-11-14 06:12 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 5 Months Income Verified is Missing | Resolved-Resolved, received closing disclosures for other properties showing additional accounts being paid off and the PITIA. - Due Diligence Vendor-11/14/2025 <br> Resolved-Income 5 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-Income 5 Months Income Verified is Missing Missing closing disclosure for property starting with xxxxxx along with tax and HOI information if not escrowed. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 | Resolved-Resolved, received closing disclosures for other properties showing additional accounts being paid off and the PITIA. - Due Diligence Vendor-11/14/2025 <br> Resolved-Income 5 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/14/2025 |  |  | xxxxxx HUDs.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850703 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-12 07:20 | 2025-11-14 06:12 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Resolved-Resolved, received closing disclosures for other properties showing additional accounts being paid off and the PITIA. - Due Diligence Vendor-11/14/2025 <br> Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-Income 4 Months Income Verified is Missing Missing closing disclosure for property starting with xxxxxx along with tax and HOI information if not escrowed. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 | Resolved-Resolved, received closing disclosures for other properties showing additional accounts being paid off and the PITIA. - Due Diligence Vendor-11/14/2025 <br> Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/14/2025 |  |  | xxxxxx HUDs.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850703 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-12 08:20 | 2025-11-14 06:11 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Resolved, received closing disclosures for other properties showing additional accounts being paid off and the PITIA. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-Total Debt to Income Ratio (Back) per 1008 38.54, audited review 47.58. Missing proof of additional properties PITIA/closing disclosure, tax bills, and/or HOI invoices. Student loan does not show deferred or paid off. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 | Resolved-Resolved, received closing disclosures for other properties showing additional accounts being paid off and the PITIA. - Due Diligence Vendor-11/14/2025 |  |  | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850707 | xxxxxx | C A | Closed | xxxxxx | 2025-11-18 06:34 | 2025-11-19 03:25 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Resolved-Resolved, received HUD-1. - Due Diligence Vendor-11/19/2025 <br> Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Not sure what the 4 months means? CD from other file attached though. - Seller-11/18/2025 <br> Open-Income 4 Months Income Verified is Missing Missing xxxxxx closing disclosure/HUD-1 for xxxxxx. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. Not sure what the 4 months means? CD from other file attached though. - Seller-11/18/2025 | Resolved-Resolved, received HUD-1. - Due Diligence Vendor-11/19/2025 <br> Resolved-Income 4 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/19/2025 |  |  | xxxxxx Closing HUD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 850710 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 850840 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-12 04:43 | 2025-11-14 05:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-Guidelines do not allow entity to sign note Note signed with LLC - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-11/14/2025 |  | Personal guaranty signed.<br> Guideline Requirement DSCR 1., Qualifying 1.218<br> Guideline Requirement credit score 700, Qualifying 798 | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 850901 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851097 | xxxxxx | C A | Closed | xxxxxx | 2025-10-29 08:02 | 2025-10-30 07:15 | Resolved | 1 - Information C A | Credit | Eligibility | Value of Primary Residence less than Subject Property Value | Resolved-Resolved. UW Notes received - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/30/2025 <br> Open-Value of Primary Residence iao xxxxxx and less than Subject Property Value iao xxxxxx - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/30/2025 | Resolved-Resolved. UW Notes received - Due Diligence Vendor-10/30/2025 |  |  | xxxxxx UW Notes.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851374 | xxxxxx | D A | Closed | xxxxxx | 2025-11-07 11:38 | 2025-11-12 06:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Resolved. Fully executed Initial 1003 provided. - Due Diligence Vendor-11/12/2025 <br> Resolved-The Initial 1003 is Present - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/10/2025 <br> Open-The Initial 1003 is Missing Loan Originator signature missing on both Initial and Final 1003. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025 | Resolved-Resolved. Fully executed Initial 1003 provided. - Due Diligence Vendor-11/12/2025 <br> Resolved-The Initial 1003 is Present - Due Diligence Vendor-11/12/2025 |  |  | Initial docs.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851374 | xxxxxx | D A | Closed | xxxxxx | 2025-11-06 03:12 | 2025-11-12 05:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Initial Business Purpose Affidavit Disclosure document provided. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/10/2025 <br> Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is ''. Business Purpose Affidavit is required for a DSCR loan. Business Purpose affidavit Prior to closing missing from file. <br> - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025 | Resolved-Initial Business Purpose Affidavit Disclosure document provided. - Due Diligence Vendor-11/12/2025 |  |  | Initial docs.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851374 | xxxxxx | D A | Closed | xxxxxx | 2025-11-07 11:39 | 2025-11-12 05:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved- - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Resolved. ABA provided. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/10/2025 <br> Open-ABA Missing from file. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025 |  |  |  | Initial docs.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851434 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 851618 | xxxxxx | D A | Closed | xxxxxx | 2025-10-27 16:41 | 2025-12-01 13:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of 41.66% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-12/01/2025 <br> Resolved-Audited DTI of 43.73% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-11/19/2025 <br> Resolved-DTI meets G/L, resolved. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Lease attached. It is expired but goes month to month - Seller-11/17/2025 <br> Counter-Please provide lease xxxxxx for $975 month. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. Updated 1003/1008 with UW comments <br> I rechecked and the amounts are correct. <br> I updated the gross rental amount for xxxxxx so that it make sense now. <br> The xxxxxx property is accurate. <br> Because they are providing the lease agreement and 2 months evidence of receipt we can allow 100% of the rents not 75%.<br> - Seller-11/12/2025 <br> Counter-Verified calculation 12 month bank statement qualifying monthly income $20,249.66. Located Page 525 Rental Income Calculation Notes. States xxxxxx lease for $975 however only able to locate Page 396 for $800 per month. Please provide lease for $975 month. Notes show Rental Income (estimated Net Rent without following documentation for now) for xxxxxx however not on 1003 Schedule of Real Estate, please add as REO. Please provide HOI and HOA if applicable. If property encumbered by mortgage, please provide on REO and 12 month housing history. xxxxxx notes state Lease for Unit #xxxxxx $1,450 however only able to located lease page 407 for $1,300 month. Please provide lease for xxxxxx $1,450. Final 1003 some of the Rental Income Calculations did not include 25% vacancy loss, maintenance and management expense deduction. Matrix Maximum 45% DTI with 90% LTV or Exception Approval for exceeding DTI maximum. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-UW did use a 30% expense factor and total useable income was $20,250<br> The additional income of $2245 a month is coming from rental income. - Seller-11/04/2025 <br> Open-Audited DTI of 46.86% exceeds Guideline DTI of 45% Audited monthly income $20,249.66, DTI 46.86% exceed Matrix 10/17/2025 maximum 45% DTI. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. Lease attached. It is expired but goes month to month - Seller-11/17/2025 <br> Ready for Review-Document Uploaded. Updated 1003/1008 with UW comments <br> I rechecked and the amounts are correct. <br> I updated the gross rental amount for xxxxxx so that it make sense now. <br> The xxxxxx property is accurate. <br> Because they are providing the lease agreement and 2 months evidence of receipt we can allow 100% of the rents not 75%.<br> - Seller-11/12/2025 <br> Ready for Review-UW did use a 30% expense factor and total useable income was $20,250<br> The additional income of $2245 a month is coming from rental income. - Seller-11/04/2025 | Resolved-Audited DTI of 41.66% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-12/01/2025 <br> Resolved-Audited DTI of 43.73% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-11/19/2025 <br> Resolved-DTI meets G/L, resolved. - Due Diligence Vendor-11/19/2025 |  |  | 1003.1008.pdf<br> Rental Agreement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851618 | xxxxxx | D A | Closed | xxxxxx | 2025-10-27 04:12 | 2025-12-01 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-11/06/2025 <br> Resolved-Lender Income Worksheet for 12 months bank statements, resolved. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. UW did use a 30% expense factor and total useable income was $20,250<br> The additional income of $2245 a month is coming from rental income. - Seller-11/04/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide income lender worksheet as its missing in file, Per Self-employment business narrative on page 319, borrower has 100% ownership in the business. Per GL 09.05.2025page # 55, the expense ratio is 30% (service business with 1 employees) - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. UW did use a 30% expense factor and total useable income was $20,250<br> The additional income of $2245 a month is coming from rental income. - Seller-11/04/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-11/06/2025 <br> Resolved-Lender Income Worksheet for 12 months bank statements, resolved. - Due Diligence Vendor-11/06/2025 |  |  | xxxxxx income.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851618 | xxxxxx | D A | Closed | xxxxxx | 2025-10-27 05:45 | 2025-10-31 01:05 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Loan Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Loan Approval - Seller-10/30/2025 <br> Open-Provide updated lender approval form as the provided one on page 463 dated xxxxxx shows program detail as Super Non QM, considered A+ from Provided latest lock confirmation on page 479 dated xxxxxx with program details A+, LTV will not match with Super Non QM Fico score is 794 as per G/L matrix dated 10/17/2025 Max LTV for xxxxxx for fico 794 (740) is 85% which is less than 90%LTV. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. Loan Approval - Seller-10/30/2025 | Resolved-Updated Loan Approval Form uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/31/2025 |  |  | Loan Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851618 | xxxxxx | D A | Closed | xxxxxx | 2025-10-27 05:09 | 2025-10-31 01:05 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/31/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-10/30/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 09.05.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 350) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-10/30/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-10/31/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-10/31/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851618 | xxxxxx | D A | Closed | xxxxxx | 2025-10-27 04:40 | 2025-10-28 16:08 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-LCA 1, resolved. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-10/28/2025 <br> Open-For securitization, a second property valuation needs to be provided. File needs a xxxxxx and/or xxxxxx UCDP/SSR report with scores less than 2.5; or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-10/28/2025 | Resolved-LCA 1, resolved. - Due Diligence Vendor-10/28/2025 |  |  | xxxxxx xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851794 | xxxxxx | C A | Closed | xxxxxx | 2025-11-17 04:36 | 2025-11-19 00:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-11/19/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-11/18/2025 <br> Open-Fraud Report Shows Uncleared Alerts The xxxxxx Connect Alerts Summary document shows a total of 6 High alerts, only 5 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-11/18/2025 | Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-11/19/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/19/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851923 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-07 20:29 | 2025-11-12 05:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/11/2025 <br> Open-Guidelines do not allow entity to sign note Exception for Borrower singing as member of LLC required. - Due Diligence Vendor-11/08/2025 | Ready for Review-Document Uploaded. - Seller-11/11/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-11/12/2025 |  | Personal Guaranty with full recourse executed by borrower present in file<br> 773 FICO > 700 minimum required<br> Has owned subject property since xxxxxx | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 851924 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-29 22:58 | 2025-11-17 12:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/17/2025 <br> Open-Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-11/17/2025 <br> Rescinded-Guidelines do not allow entity to sign note Guidelines allow - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-11/17/2025 <br> Rescinded-Guidelines do not allow entity to sign note Guidelines allow - Due Diligence Vendor-10/30/2025 |  | DSCR - Loan File 1.246, GL Requirement 1.0<br> Credit Score- Loan File 747 , L Requirement MIn 700<br> Reserves- Loan File 7.1 months, GL Requirement Min 2 months<br> Personal Guaranty with Full Recourse | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 851924 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-30 10:41 | 2025-11-03 05:37 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Resolved. Updated DSCR Calculation provided by Client. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Open-Audited DSCR using Market Rent per 1007 $1800/1444.47= 1.246. Per DSCR Worksheet, calculation is based on Market Rent of $2000 for a DSCR of 1.385 which matches tape value. Clarification and/or updated DSCR Worksheet requested or Documentation verifying $2000 Market rent and source. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025 | Resolved-Resolved. Updated DSCR Calculation provided by Client. - Due Diligence Vendor-11/03/2025 |  |  | xxxxxx 1008.pdf<br> xxxxxx DSCR.pdf<br> xxxxxx 1003.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 851947 | xxxxxx | D A | Closed | xxxxxx | 2025-10-31 17:51 | 2025-11-19 09:40 | 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-11/19/2025 <br> Ready for Review-Document Uploaded. VVOE - Seller-11/17/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Please provide B1 VVOE for xxxxxx. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. VVOE - Seller-11/17/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/19/2025 |  |  | VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851947 | xxxxxx | D A | Closed | xxxxxx | 2025-10-31 05:13 | 2025-11-06 03:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-11/06/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/05/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 09.05.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 304) is showing 1 high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/05/2025 | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-11/06/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/06/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851947 | xxxxxx | D A | Closed | xxxxxx | 2025-10-31 05:42 | 2026-01-14 07:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-11/20/2025 <br> Resolved-The loan's (7.896%) APR equals or exceeds the Federal HPML threshold of (7.81%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.31%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 347 and the Final Closing disclosure on page # 163-167 reflects escrows. Rate lock is on page # 392. An interior and exterior appraisal was completed for this property – see page # 38-72, the appraisal disclosure was provided to the borrower(s)- see page # 136, 137 and confirmation the appraisal was delivered to the borrower – see page # 136, 137 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.896%) APR equals or exceeds the Federal HPML threshold of (7.81%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.31%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 347 and the Final Closing disclosure on page # 163-167 reflects escrows. Rate lock is on page # 392. An interior and exterior appraisal was completed for this property – see page # 38-72, the appraisal disclosure was provided to the borrower(s)- see page # 136, 137 and confirmation the appraisal was delivered to the borrower – see page # 136, 137 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/31/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851947 | xxxxxx | D A | Closed | xxxxxx | 2025-10-31 05:42 | 2026-01-14 07:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-11/20/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.896%) equals or exceeds the xxxxxx HPML threshold of (7.81%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.31%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 347 and the Final Closing disclosure on page # 163-167 reflects escrows. Rate lock is on page # 392. An interior and exterior appraisal was completed for this property – see page # 38-72, the appraisal disclosure was provided to the borrower(s)- see page # 136, 137 and confirmation the appraisal was delivered to the borrower – see page # 136, 137 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 <br> Open- - Due Diligence Vendor-10/31/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.896%) equals or exceeds the xxxxxx HPML threshold of (7.81%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.31%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 347 and the Final Closing disclosure on page # 163-167 reflects escrows. Rate lock is on page # 392. An interior and exterior appraisal was completed for this property – see page # 38-72, the appraisal disclosure was provided to the borrower(s)- see page # 136, 137 and confirmation the appraisal was delivered to the borrower – see page # 136, 137 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-10/31/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851996 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851999 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-13 00:10 | 2025-11-17 14:51 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (xxxxxx) | Resolved-COC dated xxxxxx received - Due Diligence Vendor-11/17/2025 <br> Resolved- - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/17/2025 <br> Counter-Provide the COC for the reduction of the Lender Credit from$250 to $200 on the Final CD. Invoice does not qualify as a COC. - Due Diligence Vendor-11/17/2025 <br> Counter- - Due Diligence Vendor-11/17/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($250.00). The Last CD shows a total lender credit amount of ($200.00). The following fees "lender credits" have decreased below their baseline amounts (Reinspection Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Ready for Review-See CC condition. - Seller-11/14/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($250.00). The Last CD shows a total lender credit amount of ($200.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender Credits decreased from $250.00 on the Initial CD to $200 on the Final CD - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025 <br> Ready for Review-See CC condition. - Seller-11/14/2025 | Resolved-COC dated xxxxxx received - Due Diligence Vendor-11/17/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851999 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-13 10:14 | 2025-11-17 14:51 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-COC dated xxxxxx received - Due Diligence Vendor-11/17/2025 <br> Resolved- - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/17/2025 <br> Counter-Provide the COC for the reduction of the Lender Credit from$250 to $200 on the Final CD. Invoice does not qualify as a COC. - Due Diligence Vendor-11/17/2025 <br> Counter- - Due Diligence Vendor-11/17/2025 <br> Resolved- - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Reinspection originally $250, so $250 lender credit set up. The actual fee ended up being $200, so the lender credit was adjusted to meet this. Invoice attached. - Seller-11/14/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Reinspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for Reinspection Fee iao $250 added to the Initial CD - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025 <br> Ready for Review-Document Uploaded. Reinspection originally $250, so $250 lender credit set up. The actual fee ended up being $200, so the lender credit was adjusted to meet this. Invoice attached. - Seller-11/14/2025 | Resolved-COC dated xxxxxx received - Due Diligence Vendor-11/17/2025 |  |  | xxxxxx invoice.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851999 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-13 03:07 | 2025-11-17 04:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested updated final 1003 with correct citizenship provided, updated & condition resolved. - Due Diligence Vendor-11/17/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 <br> Open-The Final 1003 is Incomplete Fraud Report, Passport and EAD reflects borrower citizenship as Non-Permanent Resident Alien whereas Final 1003 marked as xxxxxx Citizen. Provide updated Final 1003 with correct Citizenship.<br> - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025 | Resolved-Requested updated final 1003 with correct citizenship provided, updated & condition resolved. - Due Diligence Vendor-11/17/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-11/17/2025 |  |  | xxxxxx-Final-1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851999 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-13 07:59 | 2025-11-14 05:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Resolved. Rental Ledger, LOX's and supporting documentation received. - Due Diligence Vendor-11/14/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-VOR/VOM Doc Status should not be 'Missing'. A 12-month rental history is required when the borrower is renting their current primary residence. Provide VOR - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 | Resolved-Resolved. Rental Ledger, LOX's and supporting documentation received. - Due Diligence Vendor-11/14/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-11/14/2025 |  |  | VOR items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851999 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-13 10:02 | 2025-11-13 10:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Borrower Type ineligible per program guidelines. Exception on page 596 is dated 11/5/2025 - Subject property is in xxxxxx. Per Matrix updates dated 11/4/2025 regarding OFAC Sanctioned Countries: Clarified that Borrowers from xxxxxx are ineligible and an exception cannot be made for subject properties in the states of xxxxxx. For subject properties in other states, they may be eligible exception basis as long as they do not personally appear on the OFAC Sanction List. Exception Reason: OTHER- Loan File Borrower from OFAC Sanctioned Country, GL Requirement OFAC Sanctioned Country is not eligible Borrower does not appear on the OFAC list. Client elects to waive with the following compensating factors - Due Diligence Vendor-11/13/2025 <br> Waived-Borrower Type ineligible per program guidelines. Exception on page 596 is dated 11/5/2025 - Subject property is in xxxxxx. Per Matrix updates dated 11/4/2025 regarding OFAC Sanctioned Countries: Clarified that Borrowers from xxxxxx are ineligible and an exception cannot be made for subject properties in the states of xxxxxx. For subject properties in other states, they may be eligible exception basis as long as they do not personally appear on the OFAC Sanction List. Exception Reason: OTHER- Loan File Borrower from OFAC Sanctioned Country, GL Requirement OFAC Sanctioned Country is not eligible Borrower does not appear on the OFAC list. Client elects to waive with the following compensating factors - Due Diligence Vendor-11/13/2025 |  | Waived-Borrower Type ineligible per program guidelines. Exception on page 596 is dated 11/5/2025 - Subject property is in xxxxxx. Per Matrix updates dated 11/4/2025 regarding OFAC Sanctioned Countries: Clarified that Borrowers from xxxxxx are ineligible and an exception cannot be made for subject properties in the xxxxxx. For subject properties in other states, they may be eligible exception basis as long as they do not personally appear on the OFAC Sanction List. Exception Reason: OTHER- Loan File Borrower from OFAC Sanctioned Country, GL Requirement OFAC Sanctioned Country is not eligible Borrower does not appear on the OFAC list. Client elects to waive with the following compensating factors - Due Diligence Vendor-11/13/2025 <br> Waived-Borrower Type ineligible per program guidelines. Exception on page 596 is dated 11/5/2025 - Subject property is in xxxxxx. Per Matrix updates dated 11/4/2025 regarding OFAC Sanctioned Countries: Clarified that Borrowers from xxxxxx are ineligible and an exception cannot be made for subject properties in the xxxxxx. For subject properties in other states, they may be eligible exception basis as long as they do not personally appear on the OFAC Sanction List. Exception Reason: OTHER- Loan File Borrower from OFAC Sanctioned Country, GL Requirement OFAC Sanctioned Country is not eligible Borrower does not appear on the OFAC list. Client elects to waive with the following compensating factors - Due Diligence Vendor-11/13/2025 |  | DTI- Loan File 15.20%, GL Requirement - Max 50%<br> Residual Income- $49,682.66, GL Requirement $1500 + $450($150/dependent \*3)= $1950<br> Housing History- Loan File 0x30x12 months, GL Requirement 0x30x6 months<br> Borrower Contribution 100%, GL Requirement 5%5 of Sales Price<br> Job Stability- SE 9 yrs, GL Requirement SE 1 yr |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 851999 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-13 00:10 | 2026-01-14 07:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved- This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 581 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 598. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 595, and confirmation the appraisal was delivered to the borrower – see Pg#'s 393-394. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved- This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 581 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 598. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 595, and confirmation the appraisal was delivered to the borrower – see Pg#'s 393-394. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/17/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 851999 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-13 00:10 | 2026-01-14 07:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 581 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 598. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 595, and confirmation the appraisal was delivered to the borrower – see Pg#'s 393-394. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.043%) equals or exceeds the xxxxxx HPML threshold of (7.79%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.29%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.041%) equals or exceeds the xxxxxx HPML threshold of (7.79%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.29%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.043%) equals or exceeds the xxxxxx HPML threshold of (7.79%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.29%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 581 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 598. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 595, and confirmation the appraisal was delivered to the borrower – see Pg#'s 393-394. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 581 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 598. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 595, and confirmation the appraisal was delivered to the borrower – see Pg#'s 393-394. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/17/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.043%) equals or exceeds the xxxxxx HPML threshold of (7.79%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.29%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-11/17/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.041%) equals or exceeds the xxxxxx HPML threshold of (7.79%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.29%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-11/17/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.043%) equals or exceeds the xxxxxx HPML threshold of (7.79%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.29%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 581 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 598. An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 595, and confirmation the appraisal was delivered to the borrower – see Pg#'s 393-394. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852000 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-03 04:26 | 2025-12-04 05:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE dated xxxxxx, Revised CD dated xxxxxx at 9:55 am and related COC's received - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Open-Provide Revised LE dated xxxxxx, Revised CD dated xxxxxx at 9:55 am and related COC's - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025 | Resolved-Resolved. Revised LE dated xxxxxx and xxxxxx, Revised CD dated xxxxxx at 9:55 am and related COC's received - Due Diligence Vendor-12/04/2025 |  |  | xxxxxx xxxxxx.pdf<br> xxxxxx xxxxxx.pdf<br> xxxxxx xxxxxx.pdf<br> xxxxxx xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852000 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-04 05:35 | 2025-12-04 05:46 | Resolved | 1 - Information C A | Compliance | Late:Amount | xxxxxx - Maximum Late Fee | Resolved-Updated Max Late Fee on the Note page to $5.00 - Due Diligence Vendor-12/04/2025 <br> Resolved- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Resolved- - Due Diligence Vendor-12/04/2025 <br> Open-The xxxxxx Interest Provisions do not allow a late fee that exceeds the greater of 4% of the scheduled payment or $5. (xxxxxx. Code xxxxxx. 75-17-27; 75-17-19(3)) . - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 |  | Resolved-Updated Max Late Fee on the Note page to $5.00 - Due Diligence Vendor-12/04/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852000 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-01 12:33 | 2025-12-03 04:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Initial CD, related COC and Disclosure Tracking Summary received. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025 | Resolved-Resolved. Initial CD, related COC and Disclosure Tracking Summary received. - Due Diligence Vendor-12/03/2025 |  |  | xxxxxx CD items.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852000 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-26 10:25 | 2025-12-03 04:12 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved. Intent to Proceed Disclosure received. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025 | Resolved-Resolved. Intent to Proceed Disclosure received. - Due Diligence Vendor-12/03/2025 |  |  | xxxxxx ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852000 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-26 09:17 | 2025-12-03 00:59 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-Title Coverage Amount of xxxxxx is Less than Loan Amount Title Coverage Amount of xxxxxx is less than Loan Amount iao xxxxxx. Provide updated Title Policy with correct title policy coverage. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025 | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/03/2025 |  |  | xxxxxx Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852001 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852006 | xxxxxx | C A | Closed | xxxxxx | 2025-12-09 20:31 | 2025-12-17 04:56 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Resolved. Final Title Policy with title coverage iao xxxxxx received. - Due Diligence Vendor-12/17/2025 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Counter-Recorded Mortgage received. Provide Title Policy with title coverage iao xxxxxx - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-Title Coverage Amount of xxxxxx is Less than Loan Amount Title Coverage amount of xxxxxx is less than loan amount of xxxxxx. Provide Title Policy with updated title coverage. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 | Resolved-Resolved. Final Title Policy with title coverage iao xxxxxx received. - Due Diligence Vendor-12/17/2025 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/17/2025 |  |  | xxxxxx sheet.pdf<br> xxxxxx sheet.pdf<br> xxxxxx Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852006 | xxxxxx | C A | Closed | xxxxxx | 2025-12-10 07:56 | 2025-12-15 05:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved. COC dated xxxxxx received - Due Diligence Vendor-12/15/2025 <br> Resolved- - Due Diligence Vendor-12/15/2025 <br> Resolved- - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC dated on or about xxxxxx for Points - Loan Discount Fee iao $251.25 (0.075%) - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025 | Resolved-Resolved. COC dated xxxxxx received - Due Diligence Vendor-12/15/2025 <br> Resolved- - Due Diligence Vendor-12/15/2025 |  |  | xxxxxx xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852021 | xxxxxx | B A | Closed | xxxxxx | 2025-12-10 00:40 | 2025-12-10 10:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception page 625-626<br> Reserves- Loan File 4.83 months, GL Requirement 6 months<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-12/10/2025 |  | Waived-Exception page 625-626<br> Reserves- Loan File 4.83 months, GL Requirement 6 months<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-12/10/2025 |  | Residual Income - Loan File $5,707.18. GL Requirement Minimum $2500. <br> Housing Payment History - Loan File 0X30X23 months. GL Requirement 1X30X12 months<br> Consumer Payment History- 0x30x27, 0x30x82, 0x30x82, 0x30x82, 0x30x44, 0x30x28, 0x30x82, 0x30x82, 0x30x82, 0x30x82, 0x30x37, GL Requirement 0x60x12 months<br> Job Stability- Loan File 132 months, GL Requirement 12 months<br> NOTE: borrower has a xxxxxx balance of $4870 that is considered a compensating factor as it could be deposited into checking/savings account, if needed. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 852025 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852027 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-26 09:55 | 2025-12-03 04:40 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Resolved. Clarification of the requirements for the 2 yr Full Doc if there is only the xxxxxx Benefits Letter in the loan file- It falls under "letters from the organization providing the income" or "copy of retirement award letters" - Due Diligence Vendor-12/03/2025 <br> Ready for Review-It falls under "letters from the organization providing the income" or "copy of retirement award letters". - Seller-12/02/2025 <br> Counter-Provide clarification of the requirements for the 2 yr Full Doc if there is only the xxxxxx Benefits Letter in the loan file. - Due Diligence Vendor-11/28/2025 <br> Ready for Review-These can be verified with ANY of those documents not ALL of them. So the xxxxxx letters cover this. - Seller-11/26/2025 <br> Open-Loan Approval and Tapa Data reflect that the loan was approved as 2 year Full Doc; however, the loan file reflects only the xxxxxx Benefit Letters for B1 and B2. Provide • Tax returns for the most recent 2 years.• W-2 forms or 1099 forms for the most recent 2 years. • Bank statements reflecting regular deposits for the most recent 2 months. - Due Diligence Vendor-11/26/2025 | Ready for Review-It falls under "letters from the organization providing the income" or "copy of retirement award letters". - Seller-12/02/2025 <br> Ready for Review-These can be verified with ANY of those documents not ALL of them. So the xxxxxx letters cover this. - Seller-11/26/2025 | Resolved-Resolved. Clarification of the requirements for the 2 yr Full Doc if there is only the xxxxxx Benefits Letter in the loan file- It falls under "letters from the organization providing the income" or "copy of retirement award letters" - Due Diligence Vendor-12/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852027 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-26 10:25 | 2025-11-28 05:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised Loan Estimate dated xxxxxx and related COC received. - Due Diligence Vendor-11/28/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-Provide Revised Loan Estimate dated xxxxxx and related COC - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 | Resolved-Resolved. Revised Loan Estimate dated xxxxxx and related COC received. - Due Diligence Vendor-11/28/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852027 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-25 05:35 | 2026-01-14 07:17 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-his loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 383 and the Final Closing disclosure on Pg#'s 141, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 443. An interior and exterior appraisal was completed for this property – see pg# 44,, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 509, and confirmation the appraisal was delivered to the borrower – see Pg#'s 456. The loan meets HPML guidelines. - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/28/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/25/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-his loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 383 and the Final Closing disclosure on Pg#'s 141, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 443. An interior and exterior appraisal was completed for this property – see pg# 44,, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 509, and confirmation the appraisal was delivered to the borrower – see Pg#'s 456. The loan meets HPML guidelines. - Due Diligence Vendor-11/28/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852101 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-14 23:54 | 2025-10-17 04:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-Guidelines do not allow entity to sign note Note was signed by xxxxxx - xxxxxx and xxxxxx - xxxxxx on behalf of Business Entity, xxxxxx. Provide Exception - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-10/17/2025 |  | Credit Score - Loan File 747, GL Requirement Min 700<br> Personal Guaranty with full recourse executed by borrower present in file  | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 852118 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-05 09:30 | 2026-01-14 07:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception Approval for homeownership education course. <br> Comp Factors:<br> (1) 9+ Months Reserves vs Minimum required 3 months reserves<br> (2) Residual $35,533.17 vs Minimum Required $1,250 <br> (3) 22.79% DTI vs Maximum DTI 50% <br> - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Exception Approval - Seller-11/24/2025 <br> Counter-G/L page 9 All Borrowers who are paying off an existing reverse mortgage with a new first (forward) mortgage must complete a homeownership education course provided by a HUD-approved agency. Proof of course completion is required prior to closing. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Trust affidavit in file. Mortgage being paid off is a reverse mortgage and no pay history is available - Seller-11/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Preliminary Title report shows 2 open mortgages, Final CD shows one payoff. Please provide Trust documentation and if applicable most recent 12 month housing history for subject property. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. Exception Approval - Seller-11/24/2025 <br> Ready for Review-Trust affidavit in file. Mortgage being paid off is a reverse mortgage and no pay history is available - Seller-11/10/2025 | Waived-Exception Approval for homeownership education course. <br> Comp Factors:<br> (1) 9+ Months Reserves vs Minimum required 3 months reserves<br> (2) Residual $35,533.17 vs Minimum Required $1,250 <br> (3) 22.79% DTI vs Maximum DTI 50% <br> - Due Diligence Vendor-11/25/2025 |  | 9+ Months Reserves vs Minimum required 3 months reserves<br> Residual $35,533.17 vs Minimum Required $1,250 <br> 22.79% DTI vs Maximum DTI 50%  | Exception Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852118 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-05 09:15 | 2025-11-12 14:26 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Page 12 Bookmarked as Affidavit, Affidavit for Change of xxxxxx xxxxxx. Borrower xxxxxx as of xxxxxx. Death certificates in findings for both. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. Affidavit – change of trust is in file showing our borrower as xxxxxx. Death certs in file for xxxxxx currently attached. Title #6&7 are the same mtg to be paid off - Seller-11/10/2025 <br> Open-Property Title Issue Vesting "xxxxxx, as xxxxxx of the xxxxxx dated xxxxxx: Subject to item 8 as shown herein" does not match Borrower xxxxxx. Note, DOT shows Borrower xxxxxx, Individually and as xxxxxx of the xxxxxx Dated xxxxxx under Trust Instrument Dated xxxxxx. Trust documentation not provided. Preliminary title report shows requirements 6 and 7, Final CD shows payoff one mortgage only. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. Affidavit – change of trust is in file showing our borrower as xxxxxx. Death certs in file for xxxxxx currently attached. Title #6&7 are the same mtg to be paid off - Seller-11/10/2025 | Resolved-Page 12 Bookmarked as Affidavit, Affidavit for Change of xxxxxx xxxxxx. Borrower Co-xxxxxx as of xxxxxx. Death certificates in findings for both. - Due Diligence Vendor-11/12/2025 |  |  | Certification of Death - xxxxxx.pdf<br> Certification of Death - xxxxxx.pdf<br> Certification of Death - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852118 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-04 04:44 | 2025-11-07 15:55 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/07/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 09/05/2025 on page#26 a clear fraud report is required. The fraud report in file pg#287 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/07/2025 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/07/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852118 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-04 05:41 | 2025-11-28 11:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-11/25/2025 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.051%) equals or exceeds the xxxxxx HPML threshold of (7.81%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.31%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s312 and the Final Closing disclosure on Pg#'s153, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s335,151,323. An interior and exterior appraisal was completed for this property – see pg#'s25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s143,144. and confirmation the appraisal was delivered to the borrower – see Pg#'197-199. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.051%) equals or exceeds the xxxxxx HPML threshold of (7.81%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.31%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s312 and the Final Closing disclosure on Pg#'s153, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s335,151,323. An interior and exterior appraisal was completed for this property – see pg#'s25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s143,144. and confirmation the appraisal was delivered to the borrower – see Pg#'197-199. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/04/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852118 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-04 05:41 | 2025-11-28 11:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-11/25/2025 <br> Resolved-The loan's (8.051%) APR equals or exceeds the Federal HPML threshold of (7.81%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.31%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s312 and the Final Closing disclosure on Pg#'s153, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s335,151,323. An interior and exterior appraisal was completed for this property – see pg#'s25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s143,144. and confirmation the appraisal was delivered to the borrower – see Pg#'197-199. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.051%) APR equals or exceeds the Federal HPML threshold of (7.81%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.31%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s312 and the Final Closing disclosure on Pg#'s153, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s335,151,323. An interior and exterior appraisal was completed for this property – see pg#'s25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s143,144. and confirmation the appraisal was delivered to the borrower – see Pg#'197-199. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/04/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852441 | xxxxxx | C A | Closed | xxxxxx | 2025-11-10 00:27 | 2025-11-12 01:29 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/12/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/11/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 09.05.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 232) is showing 1 high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/11/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/12/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/12/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852441 | xxxxxx | C A | Closed | xxxxxx | 2025-11-10 00:56 | 2026-01-14 07:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.339%) APR equals or exceeds the Federal HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 248 and the Final Closing disclosure on page # 133-137 reflects escrows. Rate lock is on page # 264. An interior and exterior appraisal was completed for this property – see page # 21-58, the appraisal disclosure was provided to the borrower(s)- see page # 126, 127 nd confirmation the appraisal was delivered to the borrower – see page # 126, 127. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.339%) APR equals or exceeds the Federal HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 248 and the Final Closing disclosure on page # 133-137 reflects escrows. Rate lock is on page # 264. An interior and exterior appraisal was completed for this property – see page # 21-58, the appraisal disclosure was provided to the borrower(s)- see page # 126, 127 nd confirmation the appraisal was delivered to the borrower – see page # 126, 127. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-11/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-18 21:18 | 2025-11-21 07:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/21/2025 <br> Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open-Missing Third Party Fraud Report Provide Third Party Fraud Report - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/21/2025 <br> Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-11/21/2025 |  |  | xxxxxx Fraud.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-19 07:13 | 2025-11-21 06:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Resolved. Title Docs received. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open-Provide Title Commitment or Final Title Policy - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 | Resolved-Resolved. Title Docs received. - Due Diligence Vendor-11/21/2025 |  |  | Title Docs.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-19 07:03 | 2025-11-21 06:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Resolved. BPA received. - Due Diligence Vendor-11/21/2025 <br> Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open-Provide the Initial Business Purpose Affidavit dated on or about xxxxxx - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 | Resolved-Resolved. BPA received. - Due Diligence Vendor-11/21/2025 <br> Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-11/21/2025 |  |  | xxxxxx Initials.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-19 06:43 | 2025-11-21 06:37 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Resolved. Affiliated Business Arrangement Disclosure received - Due Diligence Vendor-11/21/2025 <br> Ready for Review-See business purpose condition. - Seller-11/20/2025 <br> Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-11/19/2025 | Ready for Review-See business purpose condition. - Seller-11/20/2025 | Resolved-Resolved. Affiliated Business Arrangement Disclosure received - Due Diligence Vendor-11/21/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-19 07:03 | 2025-11-21 06:17 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Resolved. DSCR Worksheet received. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open-Provide DSCR Worksheet - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 | Resolved-Resolved. DSCR Worksheet received. - Due Diligence Vendor-11/21/2025 |  |  | DSCR Worksheet.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-19 06:04 | 2025-11-21 05:23 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Resolved. Asset worksheet, evidence of assets and evidence of gist funds. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open-Provide Asset Worksheet and Gift Funds Letters - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 | Resolved-Resolved. Asset worksheet, evidence of assets and evidence of gist funds. - Due Diligence Vendor-11/21/2025 |  |  | Assets part 1.pdf<br> Assets part 2.pdf<br> Assets part 3.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-18 21:47 | 2025-11-21 02:56 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided updated & condition resolved. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open-Second Appraisal/ Valuation is Missing Provide CU, AVM or Secondary Valuation - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 | Resolved-Requested secondary valuation provided updated & condition resolved. - Due Diligence Vendor-11/21/2025 |  |  | Revised xxxxxx SSR 1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-18 21:40 | 2025-11-21 02:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Purchase Contract | Resolved-Requested purchase contract document provided, updated & condition resolved. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open-Provide Purchase Contract - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 | Resolved-Requested purchase contract document provided, updated & condition resolved. - Due Diligence Vendor-11/21/2025 |  |  | xxxxxx Contract.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-18 21:49 | 2025-11-21 02:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Requested hazard insurance policy document provided, updated & condition resolved. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open-Provide HOI Policy - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 | Resolved-Requested hazard insurance policy document provided, updated & condition resolved. - Due Diligence Vendor-11/21/2025 |  |  | xxxxxx Insurance.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-18 21:49 | 2025-11-21 02:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Requested flood certificate provided, updated & condition resolved. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open-Provide Flood Certification and Notice of Special Flood Hazards Disclosure - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 | Resolved-Requested flood certificate provided, updated & condition resolved. - Due Diligence Vendor-11/21/2025 |  |  | Flood Zone X.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-18 20:36 | 2025-11-21 02:46 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Requested updated 1008 provided with updated FICO of 733, now matching with Credit Report, updated & condition resolved. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open-Qualifying FICO on the 1008 Page is '705' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'null' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Provide Credit Reports for B1 and B2 - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 | Resolved-Requested updated 1008 provided with updated FICO of 733, now matching with Credit Report, updated & condition resolved. - Due Diligence Vendor-11/21/2025 |  |  | xxxxxx 1008.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-18 20:36 | 2025-11-21 02:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Requested Borrower 2 Credit Report provided, updated & condition resolved. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open-Borrower 2 Credit Report is Missing. Provide B2 Credit Report - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 | Resolved-Requested Borrower 2 Credit Report provided, updated & condition resolved. - Due Diligence Vendor-11/21/2025 |  |  | xxxxxx Credit.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-18 20:36 | 2025-11-21 02:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested Borrower 1 Credit Report provided, updated & condition resolved. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open-Borrower 1 Credit Report is Missing. Provide B1 Credit Report - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 | Resolved-Requested Borrower 1 Credit Report provided, updated & condition resolved. - Due Diligence Vendor-11/21/2025 |  |  | xxxxxx Credit.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-18 21:50 | 2025-11-21 02:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate Lock document provided. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open-Provide Confirmation of Rate Lock - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 | Resolved-Rate Lock document provided. - Due Diligence Vendor-11/21/2025 |  |  | xxxxxx Lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-18 21:52 | 2025-11-21 02:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Asset 1 Missing | Resolved-Requested asset 1 provided, updated & condition resolved. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-See other asset condition. - Seller-11/20/2025 <br> Open-Provide asset documentation for accts ending in - xxxxxx. Provide evidence of EMD iao $44,000, Provide evidence of the Gift Funds iao $10,000 and Gift Funds iao $4,990 sent to the Title Company. - Due Diligence Vendor-11/19/2025 | Ready for Review-See other asset condition. - Seller-11/20/2025 | Resolved-Requested asset 1 provided, updated & condition resolved. - Due Diligence Vendor-11/21/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852500 | xxxxxx | D A | Closed | xxxxxx | 2025-11-18 21:15 | 2025-11-21 02:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Requested Assets provided which satisfies the audited reserves of 2 months, updated & condition resolved. - Due Diligence Vendor-11/21/2025 <br> Resolved- - Due Diligence Vendor-11/21/2025 <br> Ready for Review-See other asset condition. - Seller-11/20/2025 <br> Open-Provide asset statements, gift fund and EMD documentation. - Due Diligence Vendor-11/19/2025 | Ready for Review-See other asset condition. - Seller-11/20/2025 | Resolved-Requested Assets provided which satisfies the audited reserves of 2 months, updated & condition resolved. - Due Diligence Vendor-11/21/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852585 | xxxxxx | D A | Closed | xxxxxx | 2025-11-20 04:58 | 2025-12-08 06:50 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-DTIs in line with Updated worksheet/1008. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Income worksheet. I had to separate them for them to be legible - Seller-12/04/2025 <br> Counter-Income worksheets are not legible page 2 and 3 are not legible came over damaged. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. updated 1003/1008 - Seller-12/01/2025 <br> Counter-Need updated 1008 and 1003. Based on CPA letter both borrowers own 100% need docs that show percentage of ownership between the 2 or if 50-50 will need 1008 to reflect the correct usage for the income. Also need updated 1003 to reflect the correct income as the ones attached is now giving all the income to borrower 1. Will need the income worksheets updated as well and the ones attached must be system error as the numbers came over not legible. Once docs are received can review and make the updates needed. Appears there are three different bank accounts being used for the 12 months of income for the borrowers. If income is verified then the DTI will be in line at 19.330 for the front end and 39.23 for the back end - Due Diligence Vendor-11/25/2025 <br> Counter-Page 768 Final 1003 B1 Income $26,992.47 and B2 $12,513.50 = $39,505.97 Per CPA Letter Borrowers 100% Ownership xxxxxx. Underwriters Bank Statement Income Calculation between xxxxxx xxxxxxxx, xxxxxxxx & xxxxxxxx $28,409.14 / 2 = $14,204.57 each Borrower qualifying income per Underwriter. Page 168 xxxxxx statement xxxxxxxx has several large deposits excluded from Audited Income Calculation. Audited Total Qualifying Monthly Income $26,992.47. DTI exceeds Matrix Maximum. - Due Diligence Vendor-11/24/2025 <br> Ready for Review- - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Income worksheet with 1003/1008 - Seller-11/24/2025 <br> Open-Audited DTI is 35.09 and lender DTI is 32.61. the difference is 2.48.<br>This is because lender considered B1 net rental income as $3,000 however per lease and mortgage statements on file it is only $52.74. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Income worksheet. I had to separate them for them to be legible - Seller-12/04/2025 <br> Ready for Review-Document Uploaded. updated 1003/1008 - Seller-12/01/2025 <br> Ready for Review-Document Uploaded. Income worksheet with 1003/1008 - Seller-11/24/2025 | Resolved-DTIs in line with Updated worksheet/1008. - Due Diligence Vendor-12/08/2025 |  |  | Income Worksheets.pdf<br> 1003.1008.pdf<br> 1003.1008.pdf<br> Income Worksheet - 3.pdf<br> Income Worksheet - 2.pdf<br> Income Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852585 | xxxxxx | D A | Closed | xxxxxx | 2025-11-20 04:18 | 2025-11-25 07:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Income worksheet - Seller-11/24/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide lender income calculation worksheet for B2 as it is missing from file. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Income worksheet - Seller-11/24/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-11/24/2025 |  |  | Income Worksheets.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852585 | xxxxxx | D A | Closed | xxxxxx | 2025-11-20 04:55 | 2025-11-24 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Documentation deposit $5k September and August 2025. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. evidence of 2 moths rents - Seller-11/24/2025 <br> Open-Per lease and mortgage statement on file, the rental income is $52.74 only. However, per the final 1003, borrower is receiving net rental income of $3,000. Provide proof of documentation to support this $3,000 income. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. evidence of 2 moths rents - Seller-11/24/2025 | Resolved-Documentation deposit $5k September and August 2025. - Due Diligence Vendor-11/24/2025 |  |  | 2 Months Rents Received.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852585 | xxxxxx | D A | Closed | xxxxxx | 2025-11-20 04:41 | 2025-11-24 03:28 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested cleared alerts report provided, updated & condition resolved. - Due Diligence Vendor-11/24/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-11/21/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 09.05.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 505) is showing 1 high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-11/21/2025 | Resolved-Requested cleared alerts report provided, updated & condition resolved. - Due Diligence Vendor-11/24/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/24/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852585 | xxxxxx | D A | Closed | xxxxxx | 2025-11-20 05:26 | 2026-01-14 07:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.816%) equals or exceeds the xxxxxx HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.24%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 529 and the Final Closing disclosure on page # 320-324 reflects escrows. Rate lock is on page # 555. An interior and exterior appraisal was completed for this property – see page # 26-53, the appraisal disclosure was provided to the borrower(s)- see page # 308, 309 and confirmation the appraisal was delivered to the borrower – see page # 308, 309. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.816%) equals or exceeds the xxxxxx HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.24%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 529 and the Final Closing disclosure on page # 320-324 reflects escrows. Rate lock is on page # 555. An interior and exterior appraisal was completed for this property – see page # 26-53, the appraisal disclosure was provided to the borrower(s)- see page # 308, 309 and confirmation the appraisal was delivered to the borrower – see page # 308, 309. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/20/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852585 | xxxxxx | D A | Closed | xxxxxx | 2025-11-20 05:25 | 2026-01-14 07:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.816%) APR equals or exceeds the Federal HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 529 and the Final Closing disclosure on page # 320-324 reflects escrows. Rate lock is on page # 555. An interior and exterior appraisal was completed for this property – see page # 26-53, the appraisal disclosure was provided to the borrower(s)- see page # 308, 309 and confirmation the appraisal was delivered to the borrower – see page # 308, 309. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.816%) APR equals or exceeds the Federal HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 529 and the Final Closing disclosure on page # 320-324 reflects escrows. Rate lock is on page # 555. An interior and exterior appraisal was completed for this property – see page # 26-53, the appraisal disclosure was provided to the borrower(s)- see page # 308, 309 and confirmation the appraisal was delivered to the borrower – see page # 308, 309. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/20/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852682 | xxxxxx | D A | Closed | xxxxxx | 2025-11-28 08:56 | 2025-12-02 06:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised CD dated xxxxxx and related COC received. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/01/2025 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-11/28/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025 | Resolved-Resolved. Revised CD dated xxxxxx and related COC received. - Due Diligence Vendor-12/02/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852829 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 06:24 | 2025-11-25 07:20 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (xxxxxx) | Resolved-COC provided. Fees updated. Issue resolved. - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. COC xxxxxx - Seller-11/18/2025 <br> Open- - Due Diligence Vendor-11/14/2025 <br> Open- - Due Diligence Vendor-11/14/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($7,502.66). The Last CD shows a total lender credit amount of ($7,248.16). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credits are decreased from $7,502.66 (initial CD) to $7,248.16 (final CD). provide a valid COC to cure this. - Due Diligence Vendor-11/14/2025 <br> Open- - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. COC xxxxxx - Seller-11/18/2025 | Resolved-COC provided. Fees updated. Issue resolved. - Due Diligence Vendor-11/25/2025 |  |  | xxxxxx COC xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852829 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 05:33 | 2025-11-20 02:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Gap credit - Seller-11/19/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Per GL 09.05.2025 page # 26, a gap credit report is required no more than 10 days prior to loan closing or any time after closing. Hence provide gap credit report for B1 as it is missing from file.<br> - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. Gap credit - Seller-11/19/2025 | Resolved-Gap credit report provided. Resolved - Due Diligence Vendor-11/20/2025 |  |  | GAP Credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852829 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 05:48 | 2025-11-19 01:43 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-11/19/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-11/18/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 09.05.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 410) is showing 1 low uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-11/18/2025 | Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-11/19/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/19/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852829 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 05:36 | 2025-11-18 01:17 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-11/17/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 The file is missing secondary valuation or additional valuation. Provide a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or an appraisal desk review.<br> - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-11/17/2025 | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/18/2025 |  |  | xxxxxx xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852830 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852831 | xxxxxx | C A | Closed | xxxxxx | 2025-11-17 23:50 | 2025-12-03 15:32 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline requirements | Resolved-Audited FICO of 647 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Both borrowers own the business that is being used for income so per guidelines we can use the higher score. - Seller-11/19/2025 <br> Open-Audited FICO of 629 is less than Guideline FICO of 640 As per loan approval page 1183 Program is A, as per matrix 10/17/2025 program A Min Fico for cash out is 640 whereas audited Fico is 629 as per CBR page 1025 which is less than Guideline Fico. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. Both borrowers own the business that is being used for income so per guidelines we can use the higher score. - Seller-11/19/2025 | Resolved-Audited FICO of 647 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-12/03/2025 |  |  | xxxxxx Seller Cert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852831 | xxxxxx | C A | Closed | xxxxxx | 2025-11-18 00:24 | 2026-01-14 07:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.355%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #1178, 1183 and the Final Closing disclosure on Pg #933, Finding reflects escrows. Rate lock date was entered correctly – see Pg #1194. An interior and exterior appraisal was completed for this property – see Pg #54 the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #921,922,920. The loan meets HPML guidelines, resolved.<br> Edit Delete - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Resolved-The loan's (8.355%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #1178, 1183 and the Final Closing disclosure on Pg #933, Finding reflects escrows. Rate lock date was entered correctly – see Pg #1194. An interior and exterior appraisal was completed for this property – see Pg #54 the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #921,922,920. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.355%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #1178, 1183 and the Final Closing disclosure on Pg #933, Finding reflects escrows. Rate lock date was entered correctly – see Pg #1194. An interior and exterior appraisal was completed for this property – see Pg #54 the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #921,922,920. The loan meets HPML guidelines, resolved.<br> Edit Delete - Due Diligence Vendor-11/18/2025 <br> Resolved-The loan's (8.355%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #1178, 1183 and the Final Closing disclosure on Pg #933, Finding reflects escrows. Rate lock date was entered correctly – see Pg #1194. An interior and exterior appraisal was completed for this property – see Pg #54 the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #921,922,920. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/18/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852832 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-15 05:23 | 2025-11-26 06:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Received Exception for not having 12 month mortgage history - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Exception approved letter - Seller-11/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per the guideline Version 09/09/2025on page#36, the borrower is required to have a 12 months housing history. The file contains a Credit Report on page#178 with a xxxxxx xxxxxx of 8 months. Document housing history is short by 4 months. - Due Diligence Vendor-11/15/2025 | Ready for Review-Document Uploaded. Exception approved letter - Seller-11/24/2025 | Waived-Received Exception for not having 12 month mortgage history - Due Diligence Vendor-11/26/2025 |  | Borrower has 9.74 months of reserves. All that is needed is 3 months <br> Credit score is 741 and top tier score is 740<br> Borrower has been w-2 earner for 7 years good employment history. | Exception Approval.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 852832 | xxxxxx | C B A | Closed | xxxxxx | 2025-11-15 06:06 | 2025-11-19 01:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-11/19/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-11/18/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 09/05/2025 on page#26 a clear fraud report is required. The fraud report in file pg#274 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-11/15/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-11/18/2025 | Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved - Due Diligence Vendor-11/19/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/19/2025 |  |  | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852833 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-13 10:42 | 2025-12-17 07:24 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved- - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Updated Income items attached - Seller-12/16/2025 <br> Counter-For the front end it is correct at 45.18 appears using the correct payment amount when loan adjust. 8,420.36+145+1,519.70= 10,085.06/18,636.62= 54.11 for the back end DTI. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-12/03/2025 <br> Open-Audited DTI 44.16% and Lender DTI 46.67%, Variance is 2.51% which is due to that Lender consider Monthly debt as $8,696.87 whereas per our Audit it is $8,229.40 (Credit liabilities $145 + PITIA $6,565.40+REO Rent loss $1,519) and Tape data DTI showing as 36.71%. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. Updated Income items attached - Seller-12/16/2025 <br> Ready for Review-Document Uploaded. Updated 1003/1008 - Seller-12/03/2025 |  |  |  | 1003.1008.pdf<br> 1003.1008.pdf<br> 1003.1008.pdf<br> 12 Month Bank Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852833 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-13 07:11 | 2025-11-18 00:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/17/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 09/05/2025 on page#26 a clear fraud report is required. The fraud report in file pg#458 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/17/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/18/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852833 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-13 06:46 | 2025-11-17 03:14 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-xxxxxx SSR (LCA) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-11/17/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-11/14/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Per the Guideline version 09/05/2025 on page#71, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-11/14/2025 | Resolved-xxxxxx SSR (LCA) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-11/17/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/17/2025 |  |  | xxxxxx xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852834 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 03:14 | 2025-11-19 00:48 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved<br> - Due Diligence Vendor-11/19/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-11/18/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud report shows uncleared alerts • The xxxxxx alerts summary document shows a total of 1 High alerts. Per xxxxxx guidelines dated 08/06/2025 page 27, required updated fraud report. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-11/18/2025 | Resolved-There are uncleared alerts in fraud Report, provided Updated fraud report, changes made in system, Finding Resolved<br> - Due Diligence Vendor-11/19/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/19/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852834 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 04:48 | 2025-11-18 00:45 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Collateral Underwriter with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-11/17/2025 <br> Open-Provide Secondary Valuation or Additional Valuation has per securitization requirements. Secondary valuation missing in file. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-11/17/2025 | Resolved-Collateral Underwriter with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2025 |  |  | xxxxxx xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852834 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-14 04:29 | 2026-01-14 07:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved- - Due Diligence Vendor-11/19/2025 <br> Open- - Due Diligence Vendor-11/19/2025 <br> Resolved-The loan's (9.894%) APR equals or exceeds the Federal HPML threshold of (8.11%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.61%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 545 and the Final Closing disclosure on Pg#'s 335, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 576. An interior and exterior appraisal was completed for this property – see pg 36, the appraisal disclosure was provided to the borrower(s)- see Pg#' 500, and confirmation the appraisal was delivered to the borrower – see Pg#'s 298, 403-405. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-11/14/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/14/2025 <br> Open- - Due Diligence Vendor-11/14/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved- - Due Diligence Vendor-11/19/2025 <br> Resolved-The loan's (9.894%) APR equals or exceeds the Federal HPML threshold of (8.11%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.61%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 545 and the Final Closing disclosure on Pg#'s 335, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 576. An interior and exterior appraisal was completed for this property – see pg 36, the appraisal disclosure was provided to the borrower(s)- see Pg#' 500, and confirmation the appraisal was delivered to the borrower – see Pg#'s 298, 403-405. The loan meets HPML guidelines, resolved. <br> - Due Diligence Vendor-11/14/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852835 | xxxxxx | D B A | Closed | xxxxxx | 2025-11-04 04:46 | 2026-01-14 07:24 | Waived | 2 - Non-Material D B | Credit | Credit | Spousal Consent Missing | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-01/14/2026 <br> Open-In xxxxxx, when a personal guaranty is present, then evidence of spousal consent is also required. Borrower married and singed individually, evidence of spousal consent is missing in file. Provide the evidence of spousal consent. - Due Diligence Vendor-11/04/2025 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-01/14/2026 |  | 731 FICO; 620 minimum<br> 51.24 months reserves; 3 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 852836 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852837 | xxxxxx | D A | Closed | xxxxxx | 2025-11-13 02:48 | 2025-11-17 03:17 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-11/17/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/14/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 09.05.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 345) is showing 1 high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/14/2025 | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-11/17/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/17/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852837 | xxxxxx | D A | Closed | xxxxxx | 2025-11-13 03:51 | 2025-11-17 01:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income calculation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/17/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Income Worksheet - Seller-11/14/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The lender income worksheet on page # 367 used only 11 months bank statements for income calculation. However, we have 12 months bank statements on file. Provide updated lender income worksheet using 12 months bank statements. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-11/14/2025 | Resolved-Updated Lender Income calculation uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/17/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-11/17/2025 |  |  | Income Calculation Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852837 | xxxxxx | D A | Closed | xxxxxx | 2025-11-13 02:36 | 2025-11-13 11:45 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Updated property page. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-11/13/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 The file is missing secondary valuation or additional valuation. Provide a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or an appraisal desk review.<br> - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-11/13/2025 | Resolved-Updated property page. - Due Diligence Vendor-11/13/2025 |  |  | xxxxxx xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852840 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-13 22:53 | 2025-11-14 11:36 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-Updated TRID page and post CD page and reran compliance. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. PCCD - Seller-11/14/2025 <br> Open-Title fees (1. Misc Fee-Escrow, 2. Recording Release Fee) is paid to a provider that's not on providers list, but the fee is still in section B, move the Fee (1. Misc Fee-Escrow, 2. Recording Release Fee) to section C. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. PCCD - Seller-11/14/2025 | Resolved-Updated TRID page and post CD page and reran compliance. - Due Diligence Vendor-11/14/2025 |  |  | File PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852840 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-13 21:32 | 2025-11-14 11:27 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-11/14/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Per the Guideline version 09/05/2025 on page#71, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-11/14/2025 | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-11/14/2025<br>|  |  | File xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852842 | xxxxxx | D A | Closed | xxxxxx | 2025-11-04 02:14 | 2025-11-07 15:52 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/07/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 10/17/2025 on page#4 a clear fraud report is required. The fraud report in file pg#225 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-11/07/2025 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/07/2025 |  |  | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852842 | xxxxxx | D A | Closed | xxxxxx | 2025-11-04 00:52 | 2025-11-07 00:12 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/07/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-11/06/2025 <br> Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. 1008 - Seller-11/06/2025 | Resolved-1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/07/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-11/07/2025 |  |  | xxxxxx 1008.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852853 | xxxxxx | A | Closed | xxxxxx | 2025-11-21 12:16 | 2026-01-14 07:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.784%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.16%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 425, 460 and the Final Closing disclosure on Pg#'s 182,. Rate lock date was entered correctly – see Pg#'s 460. An interior and exterior appraisal was completed for this property – see pg# 29, 36,, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 828, and confirmation the appraisal was delivered to the borrower – see Pg#'s 609. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-11/24/2025 <br> Open- - Due Diligence Vendor-11/21/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.784%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.16%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 425, 460 and the Final Closing disclosure on Pg#'s 182,. Rate lock date was entered correctly – see Pg#'s 460. An interior and exterior appraisal was completed for this property – see pg# 29, 36,, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 828, and confirmation the appraisal was delivered to the borrower – see Pg#'s 609. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/21/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852853 | xxxxxx | A | Closed | xxxxxx | 2025-11-21 12:16 | 2026-01-14 07:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (9.784%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 425, 460 and the Final Closing disclosure on Pg#'s 182,. Rate lock date was entered correctly – see Pg#'s 460. An interior and exterior appraisal was completed for this property – see pg# 29, 36,, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 828, and confirmation the appraisal was delivered to the borrower – see Pg#'s 609. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-11/24/2025 <br> Open- - Due Diligence Vendor-11/21/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (9.784%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 425, 460 and the Final Closing disclosure on Pg#'s 182,. Rate lock date was entered correctly – see Pg#'s 460. An interior and exterior appraisal was completed for this property – see pg# 29, 36,, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 828, and confirmation the appraisal was delivered to the borrower – see Pg#'s 609. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/21/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852854 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 852855 | xxxxxx | A | Closed | xxxxxx | 2025-12-02 23:43 | 2026-01-14 07:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.367%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 495, 521 and the Final Closing disclosure on Pg#'s 292, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 521 An interior and exterior appraisal was completed for this property – see pg# 78, 94, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 685, and confirmation the appraisal was delivered to the borrower – see Pg#'s 589. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/03/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.367%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 495, 521 and the Final Closing disclosure on Pg#'s 292, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 521 An interior and exterior appraisal was completed for this property – see pg# 78, 94, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 685, and confirmation the appraisal was delivered to the borrower – see Pg#'s 589. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852856 | xxxxxx | D A | Closed | xxxxxx | 2025-11-28 11:54 | 2025-12-02 05:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Revised LE dated xxxxxx and related COC received. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/01/2025 <br> Open-Provide Revised LE dated xxxxxx and related COC - Due Diligence Vendor-11/28/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025 | Resolved-Resolved. Revised LE dated xxxxxx and related COC received. - Due Diligence Vendor-12/02/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852857 | xxxxxx | C A | Closed | xxxxxx | 2025-12-10 01:01 | 2025-12-15 01:22 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Previous policy provided. Resolved - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Provide HOI policy with an effective date on or prior to disbursement date xxxxxx. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025 | Resolved-Previous policy provided. Resolved - Due Diligence Vendor-12/15/2025 |  |  | HOI through xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852857 | xxxxxx | C A | Closed | xxxxxx | 2025-12-10 03:09 | 2026-01-14 07:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.783%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 241 and the Final Closing disclosure on Pg#135 reflects escrows. Rate lock date was entered correctly see Pg# 260 An interior and exterior appraisal was completed for this property – see Page#22 the appraisal disclosure was provided to the borrower(s)- see Pg# 311, and copy of the appraisal was given to the borrower see Pg# 165 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.783%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 241 and the Final Closing disclosure on Pg#135 reflects escrows. Rate lock date was entered correctly see Pg# 260 An interior and exterior appraisal was completed for this property – see Page#22 the appraisal disclosure was provided to the borrower(s)- see Pg# 311, and copy of the appraisal was given to the borrower see Pg# 165 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852858 | xxxxxx | C A | Closed | xxxxxx | 2025-12-02 22:59 | 2025-12-08 02:46 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Resolved, received HOI dec page with the date of xxxxxx. - Due Diligence Vendor-12/08/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025 | Resolved-Resolved, received HOI dec page with the date of xxxxxx. - Due Diligence Vendor-12/08/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/08/2025 |  |  | xxxxxx HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852858 | xxxxxx | C A | Closed | xxxxxx | 2025-12-02 23:45 | 2026-01-14 07:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.365%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _477___ and the Final Closing disclosure on Pg#'s _357___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __498___ An interior and exterior appraisal was completed for this property – see pg __51-69__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_41__ , and copy of the appraisal was given to the borrower – see Pg#'s ___41__ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/03/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.365%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s _477___ and the Final Closing disclosure on Pg#'s _357___ reflects escrows. Rate lock date was entered correctly – see Pg#'s __498___ An interior and exterior appraisal was completed for this property – see pg __51-69__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_41__ , and copy of the appraisal was given to the borrower – see Pg#'s ___41__ for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-12/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852860 | xxxxxx | C A | Closed | xxxxxx | 2025-12-04 11:00 | 2025-12-08 06:29 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Initial CD received and resolved the finding. - Due Diligence Vendor-01/14/2026 <br> Resolved- - Due Diligence Vendor-12/08/2025 <br> Open-The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). 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)) - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). 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)) Initial Closing Disclosure missing from file. - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025 | Resolved-Initial CD received and resolved the finding. - Due Diligence Vendor-01/14/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852860 | xxxxxx | C A | Closed | xxxxxx | 2025-12-04 11:00 | 2026-01-14 07:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 289 and the Final Closing disclosure on Pg 161 reflects escrows. Rate lock date was entered correctly – see Pg 323. An interior and exterior appraisal was completed for this property – see Pg 18 , the appraisal disclosure was provided to the borrower(s)- see Pg's 436, 437, and copy of the appraisal was given to the borrower – see Pg 367 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/10/2025 <br> Open- - Due Diligence Vendor-12/10/2025 <br> Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 289 and the Final Closing disclosure on Pg 161 reflects escrows. Rate lock date was entered correctly – see Pg 323. An interior and exterior appraisal was completed for this property – see Pg 18 , the appraisal disclosure was provided to the borrower(s)- see Pg's 436, 437, and copy of the appraisal was given to the borrower – see Pg 367 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Resolved-The loan's (8.197%) APR equals or exceeds the Federal HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 289 and the Final Closing disclosure on Pg 161 reflects escrows. Rate lock date was entered correctly – see Pg 323. An interior and exterior appraisal was completed for this property – see Pg 18 , the appraisal disclosure was provided to the borrower(s)- see Pg's 436, 437, and copy of the appraisal was given to the borrower – see Pg 367 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 289 and the Final Closing disclosure on Pg 161 reflects escrows. Rate lock date was entered correctly – see Pg 323. An interior and exterior appraisal was completed for this property – see Pg 18 , the appraisal disclosure was provided to the borrower(s)- see Pg's 436, 437, and copy of the appraisal was given to the borrower – see Pg 367 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/10/2025 <br> Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 289 and the Final Closing disclosure on Pg 161 reflects escrows. Rate lock date was entered correctly – see Pg 323. An interior and exterior appraisal was completed for this property – see Pg 18 , the appraisal disclosure was provided to the borrower(s)- see Pg's 436, 437, and copy of the appraisal was given to the borrower – see Pg 367 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/08/2025 <br> Resolved-The loan's (8.197%) APR equals or exceeds the Federal HPML threshold of (7.74%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 289 and the Final Closing disclosure on Pg 161 reflects escrows. Rate lock date was entered correctly – see Pg 323. An interior and exterior appraisal was completed for this property – see Pg 18 , the appraisal disclosure was provided to the borrower(s)- see Pg's 436, 437, and copy of the appraisal was given to the borrower – see Pg 367 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/04/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 852862 | xxxxxx | A | Closed | xxxxxx | 2025-12-02 05:28 | 2026-01-14 07:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.613%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 286, and the Final Closing disclosure on Pg#'s 85, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 310. An interior and exterior appraisal was completed for this property – see pg 56-65, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 383, and confirmation the appraisal was delivered to the borrower – see Pg#'s 342. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/02/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.613%) APR equals or exceeds the Federal HPML threshold of (7.66%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 286, and the Final Closing disclosure on Pg#'s 85, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 310. An interior and exterior appraisal was completed for this property – see pg 56-65, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 383, and confirmation the appraisal was delivered to the borrower – see Pg#'s 342. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/02/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852865 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 852866 | xxxxxx | D A | Closed | xxxxxx | 2025-11-25 03:56 | 2025-12-02 04:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-12/02/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/01/2025 <br> Open-Borrower 1 Gap Credit Report is Missing B1 GAP report is missing - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025 | Resolved-Borrower 1 Gap Credit Report Provided. - Due Diligence Vendor-12/02/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/02/2025 |  |  | Gap reports from 11 10.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852866 | xxxxxx | D A | Closed | xxxxxx | 2025-11-25 03:56 | 2025-12-02 04:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report Provided. - Due Diligence Vendor-12/02/2025 <br> Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/01/2025 <br> Open-Borrower 2 Gap Credit Report is Missing B2 GAP report is missing - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025 | Resolved-Borrower 2 Gap Credit Report Provided. - Due Diligence Vendor-12/02/2025 <br> Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/02/2025 |  |  | Gap reports from 11 10.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 852868 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852968 | xxxxxx | D A | Closed | xxxxxx | 2025-11-25 06:46 | 2025-12-02 02:43 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document provided. - Due Diligence Vendor-12/02/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/01/2025 <br> Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025 | Resolved-1008 document provided. - Due Diligence Vendor-12/02/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/02/2025 |  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853301 | xxxxxx | C A | Closed | xxxxxx | 2025-11-21 08:41 | 2025-11-25 11:03 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-11/25/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 09/05/2025 on page#26 a clear fraud report is required. The fraud report in file pg#333 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-11/25/2025 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-11/25/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853583 | xxxxxx | D A | Closed | xxxxxx | 2025-12-11 06:11 | 2025-12-17 06:28 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Validation Resolved' - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Assets – DOT attached shows person an Statement is non-borrowing spouse - Seller-12/16/2025 <br> Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide LOE allowing borrower to access the xxxxxx xxxxxx to use 100% of the funds as borrower held this account jointly with their spouse. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Assets – DOT attached shows person an Statement is non-borrowing spouse - Seller-12/16/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-12/17/2025 |  |  | DOT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853583 | xxxxxx | D A | Closed | xxxxxx | 2025-12-11 05:48 | 2025-12-17 00:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/17/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Income worksheets - Seller-12/16/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet on page #666 is not reflecting legible numbers to verify exact deposits. per the final 1003 and 1008, the qualifying income is $307,218. provide updated worksheet validating this amount. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Income worksheets - Seller-12/16/2025 | Resolved-Updated Lender Income Calculation Worksheet uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/17/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-12/17/2025 |  |  | Income Calculation Worksheet.pdf<br> Income Calculation Worksheet - 2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853682 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 22:14 | 2025-12-04 04:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/04/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Updated Final 1003 - Seller-12/03/2025 <br> Open-The Final 1003 is Missing In REO section property address xxxxxx showing occupancy as primary residence, property occupancy need to be updated as Investment as per LOX provided in file page #370. Provide the updated final 1003 for same. - Due Diligence Vendor-11/27/2025 | Ready for Review-Document Uploaded. Updated Final 1003 - Seller-12/03/2025 | Resolved-Updated Final 1003 uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/04/2025 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-12/04/2025 |  |  | 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853682 | xxxxxx | D A | Closed | xxxxxx | 2025-11-26 04:16 | 2025-12-02 00:15 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/02/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. SSR - Seller-12/01/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 File needs a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. SSR - Seller-12/01/2025 | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/02/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/02/2025 |  |  | xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853712 | xxxxxx | C A | Closed | xxxxxx | 2025-12-02 05:08 | 2025-12-12 14:30 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Sale of property Final SS - Seller-12/11/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements B1 - Asset 4 , Proceeds from sale proof is missing in file. Provide the proof for proceeds of sale amount of xxxxxx - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Sale of property Final SS - Seller-12/11/2025 | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/12/2025 |  |  | Sale of Property.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853712 | xxxxxx | C A | Closed | xxxxxx | 2025-12-02 21:37 | 2025-12-05 04:03 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008/1003 provided, HOA and tax amount corrected. HTI/DTI now matching. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Updated 1008/1003 showing updated HOA and tax amount. Liabilities stayed the same as we are omitting the mortgage since it was closed and proceeds were used for this loan - Seller-12/04/2025 <br> Open-Audited DTI is 42.47 % and lender DTI is 28.11%. The difference is 14.36%. This is due to 1) lender considered all other monthly debt as $1891.6 whereas our calculations it is only $3200 2) Lender considered tax amount xxxxxx & whereas our calculation tax amount is xxxxxx) Lender considered the HOA amount $100 whereas our calculation amount is $8.33 - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Updated 1008/1003 showing updated HOA and tax amount. Liabilities stayed the same as we are omitting the mortgage since it was closed and proceeds were used for this loan - Seller-12/04/2025 | Resolved-Updated 1008/1003 provided, HOA and tax amount corrected. HTI/DTI now matching. - Due Diligence Vendor-12/05/2025 |  |  | 1003.1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853712 | xxxxxx | C A | Closed | xxxxxx | 2025-12-02 04:53 | 2026-01-14 07:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.837%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 310, 318 and the Final Closing disclosure on Pg#'s 144, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 329, 331. An interior and exterior appraisal was completed for this property – see pg# 27, 46 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 114, and confirmation the appraisal was delivered to the borrower – see Pg#'s 115 . The loan meets HPML guidelines. - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.837%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 310, 318 and the Final Closing disclosure on Pg#'s 144, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 329, 331. An interior and exterior appraisal was completed for this property – see pg# 27, 46 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 114, and confirmation the appraisal was delivered to the borrower – see Pg#'s 115 . The loan meets HPML guidelines. - Due Diligence Vendor-12/02/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853714 | xxxxxx | D A | Closed | xxxxxx | 2025-11-30 20:34 | 2025-12-04 09:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Income worksheet - Seller-12/03/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Please provide lender income calculation worksheet. Lender income calculation worksheet missing in file. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Income worksheet - Seller-12/03/2025 | Resolved-Validation Resolved' - Due Diligence Vendor-12/04/2025 |  |  | Income Analyzer Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853939 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-11 05:12 | 2025-12-16 04:26 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist<br> - Due Diligence Vendor-12/16/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. cleared alerts - Seller-12/15/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud report reflecting uncleared alerts, per xxxxxx guidelines dated 08/06/2025 page 27, required updated fraud report. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. cleared alerts - Seller-12/15/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist<br> - Due Diligence Vendor-12/16/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/16/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 853939 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-11 04:36 | 2025-12-15 00:46 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Collateral Underwriter with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/15/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - score of 2 - Seller-12/12/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Provide secondary valuation, secondary valuation missing in file. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - score of 2 - Seller-12/12/2025 | Resolved-Collateral Underwriter with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/15/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/15/2025 |  |  | xxxxxx xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854030 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854032 | xxxxxx | A | Closed | xxxxxx | 2025-11-26 10:31 | 2026-01-14 07:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.97%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg 553 and the Final Closing disclosure on Pg#390 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 586, An interior and exterior appraisal was completed for this property – see pg# 33, the appraisal disclosure was provided to the borrower(s)- see Pg#651 and confirmation the appraisal was delivered to the borrower – see Pg#'s364, 417, 419. The loan meets HPML guidelines - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-11/26/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.97%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg 553 and the Final Closing disclosure on Pg#390 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 586, An interior and exterior appraisal was completed for this property – see pg# 33, the appraisal disclosure was provided to the borrower(s)- see Pg#651 and confirmation the appraisal was delivered to the borrower – see Pg#'s364, 417, 419. The loan meets HPML guidelines - Due Diligence Vendor-11/26/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854040 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854045 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 854056 | xxxxxx | A | Closed | xxxxxx | 2025-11-27 11:32 | 2026-01-14 07:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.925%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 409, and the Final Closing disclosure on Pg#'s 175, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 441. An interior and exterior appraisal was completed for this property – see pg 24, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 502, and confirmation the appraisal was delivered to the borrower – see Pg#'s 470. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/27/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-11/27/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.925%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 409, and the Final Closing disclosure on Pg#'s 175, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 441. An interior and exterior appraisal was completed for this property – see pg 24, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 502, and confirmation the appraisal was delivered to the borrower – see Pg#'s 470. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/27/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854056 | xxxxxx | A | Closed | xxxxxx | 2025-11-27 11:32 | 2026-01-14 07:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.925%) equals or exceeds the xxxxxx HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.17%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 409, and the Final Closing disclosure on Pg#'s 175, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 441. An interior and exterior appraisal was completed for this property – see pg 24, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 502, and confirmation the appraisal was delivered to the borrower – see Pg#'s 470. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/27/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-11/27/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.925%) equals or exceeds the xxxxxx HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.17%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 409, and the Final Closing disclosure on Pg#'s 175, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 441. An interior and exterior appraisal was completed for this property – see pg 24, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 502, and confirmation the appraisal was delivered to the borrower – see Pg#'s 470. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/27/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854068 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-24 22:03 | 2026-01-14 07:34 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Resolved-his loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#210 and the Final Closing disclosure on Pg# 98 reflects escrows. Rate lock date was entered correctly see Pg.'s 229 An interior and exterior appraisal was completed for this property – see pg. 15 the appraisal disclosure was provided to the borrower(s)- see Pg#224, 87 and copy of the appraisal was given to the borrower is in Findings. The loan meets HPML guidelines - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-The loan's (7.711%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#210 and the Final Closing disclosure on Pg# 98 reflects escrows. Rate lock date was entered correctly see Pg.'s 229 An interior and exterior appraisal was completed for this property – see pg. 15 the appraisal disclosure was provided to the borrower(s)- see Pg#224, 87 and copy of the appraisal was given to the borrower is missing. The loan does not meet HPML guidelines. Provide evidence of delivery/receipt of the appraisal to the borrower.<br> - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-his loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#210 and the Final Closing disclosure on Pg# 98 reflects escrows. Rate lock date was entered correctly see Pg.'s 229 An interior and exterior appraisal was completed for this property – see pg. 15 the appraisal disclosure was provided to the borrower(s)- see Pg#224, 87 and copy of the appraisal was given to the borrower is in Findings. The loan meets HPML guidelines - Due Diligence Vendor-11/26/2025 |  |  | xxxxxx delivery.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854068 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-24 22:03 | 2025-11-26 08:54 | Resolved | 1 - Information C A | Compliance | HigherRisk:APR | xxxxxx - Nonprime Home Loan (First Lien) (xxxxxx) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-This is a xxxxxx Nonprime Home Loan. The loan's (7.711%) APR equals or exceeds the xxxxxx Nonprime Home Loan threshold of (7.67%). The difference is (0.041). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%). (xxxxxx Gen. Stat. 36a-760(a)(7)) The loan does not meet HPML guidelines. Provide evidence of delivery/receipt of the appraisal to the borrower. - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 |  |  | xxxxxx delivery.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854068 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-26 08:48 | 2025-11-26 08:54 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Disclosure Received and Intent To Proceed | Resolved-Updated signature date to xxxxxx - Due Diligence Vendor-11/26/2025 <br> Resolved- - Due Diligence Vendor-11/26/2025 <br> Open-The date the consumer indicated an intent to proceed with a transaction (xxxxxx) is before the date the consumer received the Loan Estimate (xxxxxx). 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)) 1<br> - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 |  | Resolved-Updated signature date to xxxxxx - Due Diligence Vendor-11/26/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854068 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-24 22:49 | 2025-11-26 08:52 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Resolved. Homeownership Counseling Disclosure received - Due Diligence Vendor-11/26/2025 <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 | Resolved-Resolved. Homeownership Counseling Disclosure received - Due Diligence Vendor-11/26/2025 <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-11/26/2025 |  |  | xxxxxx HO.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854068 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-24 22:53 | 2025-11-26 08:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Resolved. Evidence of HLT received. - Due Diligence Vendor-11/26/2025 <br> Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-Provide Home Loan Toolkit - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 | Resolved-Resolved. Evidence of HLT received. - Due Diligence Vendor-11/26/2025 <br> Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-11/26/2025 |  |  | xxxxxx HLT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854068 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-25 09:48 | 2025-11-26 08:43 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Resolved. Affiliated Business Documentation received. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-Provide Affiliated Business Arrangement Disclosure Statement or FACTS Sheet - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 | Resolved-Resolved. Affiliated Business Documentation received. - Due Diligence Vendor-11/26/2025 |  |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854068 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-24 22:52 | 2025-11-26 08:38 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved. Intent to Proceed received. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 | Resolved-Resolved. Intent to Proceed received. - Due Diligence Vendor-11/26/2025 |  |  | xxxxxx ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854068 | xxxxxx | D A C | Closed | xxxxxx | 2025-11-25 09:41 | 2025-11-26 08:33 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Resolved. Revised Appraisal received. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-Appraisal reflects city as xxxxxx; however, Note, DOT and Title reflect city as xxxxxx. Provide clarification and supporting documentation of City name. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 | Resolved-Resolved. Revised Appraisal received. - Due Diligence Vendor-11/26/2025 |  |  | xxxxxx Revised appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854075 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 854082 | xxxxxx | C A | Closed | xxxxxx | 2025-12-01 08:29 | 2025-12-02 05:13 | Resolved | 1 - Information C A | Credit | Credit | Missing verification of self employment. | Resolved-Resolved. Tax Preparer Questionnaire received. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/01/2025 <br> Open-Provide Tax Preparer Questionnaire. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025 | Resolved-Resolved. Tax Preparer Questionnaire received. - Due Diligence Vendor-12/02/2025 |  |  | Tax Preparer Questionnaire and P&L.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854082 | xxxxxx | C A | Closed | xxxxxx | 2025-11-26 11:04 | 2026-01-14 07:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Resolved-The loan's (7.856%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 314, and the Final Closing disclosure on Pg#'s 174, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 341. An interior and exterior appraisal was completed for this property – see pg 29, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 380-, and confirmation the appraisal was delivered to the borrower – see Pg#'s 170-171. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.856%) APR equals or exceeds the Federal HPML threshold of (7.67%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 314, and the Final Closing disclosure on Pg#'s 174, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 341. An interior and exterior appraisal was completed for this property – see pg 29, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 380-, and confirmation the appraisal was delivered to the borrower – see Pg#'s 170-171. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/26/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854222 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 854302 | xxxxxx | C A | Closed | xxxxxx | 2025-12-14 21:50 | 2025-12-17 17:25 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Cleared alerts - Seller-12/17/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 09.05.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 242) is showing uncleared alert, provide updated fraud report.<br> - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. Cleared alerts - Seller-12/17/2025 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-12/18/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854627 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-02 22:19 | 2026-01-14 08:09 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 425 and the Final Closing disclosure on page # 204-208 reflects escrows. Rate lock is on page # 467. An interior and exterior appraisal was completed for this property – see page # 48-76, the appraisal disclosure was provided to the borrower(s)- see page # 525, 526 and confirmation the appraisal was delivered to the borrower – see page # 170. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-This condition states it is RESOLVED at the end, will you please clear - Seller-12/04/2025 <br> Open-The loan's (7.998%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 425 and the Final Closing disclosure on page # 204-208 reflects escrows. Rate lock is on page # 425. An interior and exterior appraisal was completed for this property – see page # 48-76, the appraisal disclosure was provided to the borrower(s)- see page # 525, 526 and confirmation the appraisal was delivered to the borrower – see page # 525, 526. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 | Ready for Review-This condition states it is RESOLVED at the end, will you please clear - Seller-12/04/2025 | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 425 and the Final Closing disclosure on page # 204-208 reflects escrows. Rate lock is on page # 467. An interior and exterior appraisal was completed for this property – see page # 48-76, the appraisal disclosure was provided to the borrower(s)- see page # 525, 526 and confirmation the appraisal was delivered to the borrower – see page # 170. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/04/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854627 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-02 22:19 | 2026-01-14 08:05 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | xxxxxx - Rate Spread Home Loan (First Lien xxxxxx)(Conforming) | Waived-Per outside counsel, there is no assignee liability and the finding is immaterial. The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. We have the same APR calculation, see our attached Compliance Ease findings, reflect this is an HPML loan. Please escalate for review to clear as invalid - Seller-12/05/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open-The loan's (7.998%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a xxxxxx unit dwelling is (6.26%).(xxxxxx. Gen. Stat. 24-1.1F(a1); 15 xxxxxx 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) xxxxxx state had limitation with 7.76% APR, while subject loan exceeding the limit, which is7.998% APR - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 <br> Open- - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. We have the same APR calculation, see our attached Compliance Ease findings, reflect this is an HPML loan. Please escalate for review to clear as invalid - Seller-12/05/2025 | Waived-Per outside counsel, there is no assignee liability and the finding is immaterial. The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 |  |  | download.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 854627 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-03 23:10 | 2025-12-08 08:55 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements received confirmation property was free and clear prior to mtg in may - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Housing History – 5 months on credit report and then on property profile shows owned free and clear - Seller-12/05/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Pert GL 09.05.2025 page #27, 12-month housing history required for primary residence. However CBR page # 289 shows only 5 months reviewed. Housing history is short by 7 months.<br> - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Housing History – 5 months on credit report and then on property profile shows owned free and clear - Seller-12/05/2025 | Resolved-Housing History Meets Guideline Requirements received confirmation property was free and clear prior to mtg in may - Due Diligence Vendor-12/08/2025 |  |  | xxxxxx housing history.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854627 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-03 23:10 | 2025-12-08 08:55 | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Qualifying FICO on the 1008 Page is '766' or blank, but the Qualifying FICO from the Credit Liabilities Page is '790' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-12/08/2025 <br> Resolved-Qualifying FICO on the 1008 Page is '766', but the Qualifying FICO from the Credit Liabilities Page is '790' - Due Diligence Vendor-12/04/2025 <br> Rescinded-Qualifying FICO on the 1008 Page is '766' or blank, but the Qualifying FICO from the Credit Liabilities Page is '790' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per GL 09.05.2025 page # 36, the borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score. As only B1 income is used , their FICO of 790 should be used for qualification. However, this FICO variance doesn't impact LTV or DTI, rescinded. - Due Diligence Vendor-12/04/2025 |  | Resolved-Qualifying FICO on the 1008 Page is '766' or blank, but the Qualifying FICO from the Credit Liabilities Page is '790' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-12/08/2025 <br> Resolved-Qualifying FICO on the 1008 Page is '766', but the Qualifying FICO from the Credit Liabilities Page is '790' - Due Diligence Vendor-12/04/2025 <br> Rescinded-Qualifying FICO on the 1008 Page is '766' or blank, but the Qualifying FICO from the Credit Liabilities Page is '790' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per GL 09.05.2025 page # 36, the borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score. As only B1 income is used , their FICO of 790 should be used for qualification. However, this FICO variance doesn't impact LTV or DTI, rescinded. - Due Diligence Vendor-12/04/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854627 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-02 03:25 | 2025-12-05 04:07 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Updated title for correct loan amount - Seller-12/04/2025 <br> Open-Title Coverage Amount of xxxxxx is Less than Loan Amount Provide updated title document covering full loan amount as the one on file shows proposed insurance amount as xxxxxx whereas the loan amount is xxxxxx. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Updated title for correct loan amount - Seller-12/04/2025 | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-12/05/2025 |  |  | Revised commitment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854627 | xxxxxx | D B C A | Closed | xxxxxx | 2025-12-02 04:49 | 2025-12-04 10:37 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-12/04/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 The file is missing secondary valuation or additional valuation. Provide a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or an appraisal desk review.<br> - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-12/04/2025 | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-12/04/2025 |  |  | xxxxxx xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 854745 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-16 08:34 | 2025-12-17 09:35 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Updated disclosure page received Initial escrow. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-12/17/2025 <br> Open- Initial Escrow Disclosure is missing from file. - Due Diligence Vendor-12/16/2025 |  | Resolved-Updated disclosure page received Initial escrow. - Due Diligence Vendor-12/17/2025 |  |  | xxxxxx_Escrow Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 854745 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-16 02:51 | 2025-12-17 09:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Exception is for credit score not meeting guidelines. Minimum needed 660 and borrower has 631. - Due Diligence Vendor-12/17/2025 <br> Waived-Exception is for credit score not meeting guidelines. Minimum needed 660 and borrower has 631. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-12/17/2025 <br> Open-Audited FICO of 631 is less than Guideline FICO of 660 Audited FICO of 631 is less than guideline FICO of 660. - Due Diligence Vendor-12/16/2025 |  | Waived-Exception is for credit score not meeting guidelines. Minimum needed 660 and borrower has 631. - Due Diligence Vendor-12/17/2025 <br> Waived-Exception is for credit score not meeting guidelines. Minimum needed 660 and borrower has 631. - Due Diligence Vendor-12/17/2025 |  | DTI is at 6.34 and max DTI is at 50% <br> Borrower has 34.21 months and all that is needed is 8 months | xxxxxx Exception FICO.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 854868 | xxxxxx | A | Closed | xxxxxx | 2025-12-19 04:12 | 2026-01-14 08:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.327%) APR equals or exceeds the Federal HPML threshold of (7.73%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#356 and the Final Closing disclosure on Pg# 169 reflects escrows. Rate lock date was entered correctly see Pg.'s 407 An interior and exterior appraisal was completed for this property – see pg. 37 the appraisal disclosure was provided to the borrower(s)- see Pg#'477 and copy of the appraisal was given to the borrower see Pg#193. The loan meets HPML guidelines." <br> - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/21/2025 <br> Open- - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (8.327%) APR equals or exceeds the Federal HPML threshold of (7.73%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#356 and the Final Closing disclosure on Pg# 169 reflects escrows. Rate lock date was entered correctly see Pg.'s 407 An interior and exterior appraisal was completed for this property – see pg. 37 the appraisal disclosure was provided to the borrower(s)- see Pg#'477 and copy of the appraisal was given to the borrower see Pg#193. The loan meets HPML guidelines." <br> - Due Diligence Vendor-12/19/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854875 | xxxxxx | A | Closed | xxxxxx | 2025-12-11 03:28 | 2026-01-14 08:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.974%) APR equals or exceeds the Federal HPML threshold of (7.73%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 403 and the Final Closing disclosure on Pg 216 reflects escrows. Rate lock date was entered correctly see Pg 413 An interior and exterior appraisal was completed for this property – see Page# 21 the appraisal disclosure was provided to the borrower(s)- see Pg 10 , and copy of the appraisal was given to the borrower see Pg 472 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/16/2025 <br> Open- - Due Diligence Vendor-12/16/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.974%) APR equals or exceeds the Federal HPML threshold of (7.73%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg 403 and the Final Closing disclosure on Pg 216 reflects escrows. Rate lock date was entered correctly see Pg 413 An interior and exterior appraisal was completed for this property – see Page# 21 the appraisal disclosure was provided to the borrower(s)- see Pg 10 , and copy of the appraisal was given to the borrower see Pg 472 for the copy of the disclosure. The loan meets HPML guidelines<br>- Due Diligence Vendor-12/11/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855185 | xxxxxx | A | Closed | xxxxxx | 2025-12-16 02:49 | 2025-12-17 14:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.722%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 399 and the Final Closing disclosure on Pg#'s 259 reflects escrows. Rate lock date was entered correctly – see Pg#'s 426 An interior and exterior appraisal was completed for this property – see pg 44 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 22, 425 and copy of the appraisal was given to the borrower – see Pg#'s 22 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/16/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/16/2025 <br> Open- - Due Diligence Vendor-12/16/2025 |  | Resolved-The loan's (9.722%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 399 and the Final Closing disclosure on Pg#'s 259 reflects escrows. Rate lock date was entered correctly – see Pg#'s 426 An interior and exterior appraisal was completed for this property – see pg 44 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 22, 425 and copy of the appraisal was given to the borrower – see Pg#'s 22 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-12/16/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 855566 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-15 07:45 | 2025-12-16 01:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Prepayment Addendum to Note uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/16/2025 <br> Resolved-The Note is Present - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-12/15/2025 <br> Open-The Note is Incomplete Prepayment Penalty Addendum is missing from file. - Due Diligence Vendor-12/15/2025 |  | Resolved-Prepayment Addendum to Note uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/16/2025 <br> Resolved-The Note is Present - Due Diligence Vendor-12/16/2025 |  |  | xxxxxx Prepayment Addendum to Note and DOT.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855566 | xxxxxx | D A C | Closed | xxxxxx | 2025-12-15 07:46 | 2025-12-16 01:44 | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. please see attached - Buyer-12/15/2025 <br> Open-Prepayment Rider is missing from file. - Due Diligence Vendor-12/15/2025 |  | Resolved-Prepayment Rider uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-12/16/2025 |  |  | xxxxxx Prepayment Addendum to Note and DOT.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856242 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856244 | xxxxxx | A | Closed | xxxxxx | 2025-12-23 00:27 | 2026-01-14 08:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-his loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 447 and the Final Closing disclosure on Pg#'s 261, reflects escrows. Rate lock date was entered correctly – see Pg#'s 475. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 526, and confirmation the appraisal was delivered to the borrower – see Pg#'s 482. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/24/2025 <br> Resolved-The loan's (7.775%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 447 and the Final Closing disclosure on Pg#'s 261, reflects escrows. Rate lock date was entered correctly – see Pg#'s 475. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 526, and confirmation the appraisal was delivered to the borrower – see Pg#'s 482. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-his loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 447 and the Final Closing disclosure on Pg#'s 261, reflects escrows. Rate lock date was entered correctly – see Pg#'s 475. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 526, and confirmation the appraisal was delivered to the borrower – see Pg#'s 482. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/24/2025 <br> Resolved-The loan's (7.775%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 447 and the Final Closing disclosure on Pg#'s 261, reflects escrows. Rate lock date was entered correctly – see Pg#'s 475. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 526, and confirmation the appraisal was delivered to the borrower – see Pg#'s 482. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/23/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856244 | xxxxxx | A | Closed | xxxxxx | 2025-12-23 00:27 | 2026-01-14 08:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-his loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 447 and the Final Closing disclosure on Pg#'s 261, reflects escrows. Rate lock date was entered correctly – see Pg#'s 475. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 526, and confirmation the appraisal was delivered to the borrower – see Pg#'s 482. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/24/2025 <br> Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (7.775%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.19%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 447 and the Final Closing disclosure on Pg#'s 261, reflects escrows. Rate lock date was entered correctly – see Pg#'s 475. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 526, and confirmation the appraisal was delivered to the borrower – see Pg#'s 482. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-his loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 447 and the Final Closing disclosure on Pg#'s 261, reflects escrows. Rate lock date was entered correctly – see Pg#'s 475. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 526, and confirmation the appraisal was delivered to the borrower – see Pg#'s 482. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/24/2025 <br> Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (7.775%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.19%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 447 and the Final Closing disclosure on Pg#'s 261, reflects escrows. Rate lock date was entered correctly – see Pg#'s 475. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 526, and confirmation the appraisal was delivered to the borrower – see Pg#'s 482. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/23/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856245 | xxxxxx | B A | Closed | xxxxxx | 2025-12-22 11:38 | 2025-12-22 11:54 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 2.79 month(s) are less than Guideline Required Reserves of 3 month(s) Client elects to waive with the following compensating factors:<br> Exception in file page 381.<br> Borrowers reserves of 2.79 are less than the required 3 months reserves. - Due Diligence Vendor-12/22/2025 |  | Waived-Audited Reserves of 2.79 month(s) are less than Guideline Required Reserves of 3 month(s) Client elects to waive with the following compensating factors:<br> Exception in file page 381.<br> Borrowers reserves of 2.79 are less than the required 3 months reserves. - Due Diligence Vendor-12/22/2025 |  | Guidelines require credit score of 700, Borrower qualifies with 756<br> Residual Income requirements 2,100, Borrower qualified with 5,556.45<br> Housing payment history required 0x30x96, Borrower qualified with 0x30x6 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856245 | xxxxxx | B A | Closed | xxxxxx | 2025-12-19 22:02 | 2026-01-14 08:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.767%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 357 and the Final Closing disclosure on Pg#'s 195 reflects escrows. Rate lock date was entered correctly – see Pg#'s 383 An interior and exterior appraisal was completed for this property – see pg 39-48 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 380 , and copy of the appraisal was given to the borrower – see Pg#'s25 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/20/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/20/2025 <br> Open- - Due Diligence Vendor-12/20/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.767%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 357 and the Final Closing disclosure on Pg#'s 195 reflects escrows. Rate lock date was entered correctly – see Pg#'s 383 An interior and exterior appraisal was completed for this property – see pg 39-48 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 380 , and copy of the appraisal was given to the borrower – see Pg#'s25 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/20/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856245 | xxxxxx | B A | Closed | xxxxxx | 2025-12-19 22:02 | 2026-01-14 08:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.767%) equals or exceeds the xxxxxx HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.19%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 357 and the Final Closing disclosure on Pg#'s 195 reflects escrows. Rate lock date was entered correctly – see Pg#'s 383 An interior and exterior appraisal was completed for this property – see pg 39-48 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 380 , and copy of the appraisal was given to the borrower – see Pg#'s25 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/20/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/20/2025 <br> Open- - Due Diligence Vendor-12/20/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.767%) equals or exceeds the xxxxxx HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.19%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 357 and the Final Closing disclosure on Pg#'s 195 reflects escrows. Rate lock date was entered correctly – see Pg#'s 383 An interior and exterior appraisal was completed for this property – see pg 39-48 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 380 , and copy of the appraisal was given to the borrower – see Pg#'s25 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-12/20/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856246 | xxxxxx | B A | Closed | xxxxxx | 2025-12-23 13:46 | 2025-12-23 14:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 5.04 month(s) are less than Guideline Required Reserves of 6 month(s). - Due Diligence Vendor-12/23/2025 |  | Waived-Audited Reserves of 5.04 month(s) are less than Guideline Required Reserves of 6 month(s). - Due Diligence Vendor-12/23/2025 |  | Client elects to waive with the following compensating factors:<br> Borrowers credit score is over 89 points of required 700 FICO score.<br> Minimum requirement for Residual income is $1,500 for guidelines. Borrower has $4,494.15 in resident income. <br> Guideline requires 10% of sales price when borrower contribution is greater than 5%. Borrowers contribution is 15%.<br> Borrower meets tradeline requirement with 11 tradelines since 2008.<br> Borrower has been self-employed for 6 years. Guideline only requires 2 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856246 | xxxxxx | B A | Closed | xxxxxx | 2025-12-22 22:01 | 2026-01-14 08:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (9.002%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#326 and the Final Closing disclosure on Pg# 136 reflects escrows. Rate lock date was entered correctly see Pg.'s 358 An interior and exterior appraisal was completed for this property – see pg. 28 the appraisal disclosure was provided to the borrower(s)- see Pg#'416 and copy of the appraisal was given to the borrower see Pg#416 The loan meets HPML guidelines." <br> - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (9.002%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#326 and the Final Closing disclosure on Pg# 136 reflects escrows. Rate lock date was entered correctly see Pg.'s 358 An interior and exterior appraisal was completed for this property – see pg. 28 the appraisal disclosure was provided to the borrower(s)- see Pg#'416 and copy of the appraisal was given to the borrower see Pg#416 The loan meets HPML guidelines." <br> - Due Diligence Vendor-12/23/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856246 | xxxxxx | B A | Closed | xxxxxx | 2025-12-22 22:01 | 2026-01-14 08:11 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.002%) equals or exceeds the xxxxxx HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.22%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#326 and the Final Closing disclosure on Pg# 136 reflects escrows. Rate lock date was entered correctly see Pg.'s 358 An interior and exterior appraisal was completed for this property – see pg. 28 the appraisal disclosure was provided to the borrower(s)- see Pg#'416 and copy of the appraisal was given to the borrower see Pg#416 The loan meets HPML guidelines." - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.002%) equals or exceeds the xxxxxx HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.22%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#326 and the Final Closing disclosure on Pg# 136 reflects escrows. Rate lock date was entered correctly see Pg.'s 358 An interior and exterior appraisal was completed for this property – see pg. 28 the appraisal disclosure was provided to the borrower(s)- see Pg#'416 and copy of the appraisal was given to the borrower see Pg#416 The loan meets HPML guidelines." - Due Diligence Vendor-12/23/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856251 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 856252 | xxxxxx | B A | Closed | xxxxxx | 2025-12-19 00:20 | 2026-01-14 08:12 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | xxxxxx - Rate Spread Home Loan (First Lien xxxxxx)(Conforming) | Waived-xxxxxx Rate Spread does not have assignee liability, per counsel finding waived. The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Waived-The loan's (7.741%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a xxxxxx unit dwelling is (6.19%).(xxxxxx Gen. Stat. 24-1.1F(a1); 15 xxxxxx 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) xxxxxx Rate Spread does not have assignee liability, per counsel finding waived. - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/19/2025 |  | Waived-xxxxxx Rate Spread does not have assignee liability, per counsel finding waived. The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Waived-The loan's (7.741%) APR equals or exceeds the xxxxxx Rate Spread Home Loan first lien conforming loan threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a xxxxxx unit dwelling is (6.19%).(xxxxxx Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) xxxxxx Rate Spread does not have assignee liability, per counsel finding waived. - Due Diligence Vendor-12/19/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | No | xxxxxx |
| 856252 | xxxxxx | B A | Closed | xxxxxx | 2025-12-19 00:20 | 2026-01-14 08:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.741%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#481 and the Final Closing disclosure on Pg# 285 reflects escrows. Rate lock date was entered correctly see Pg.'s 507 An interior and exterior appraisal was completed for this property – see pg. 20 the appraisal disclosure was provided to the borrower(s)- see Pg#'330-333 and copy of the appraisal was given to the borrower see Pg#566 The loan meets HPML guidelines." <br> - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/19/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.741%) APR equals or exceeds the Federal HPML threshold of (7.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.19%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#481 and the Final Closing disclosure on Pg# 285 reflects escrows. Rate lock date was entered correctly see Pg.'s 507 An interior and exterior appraisal was completed for this property – see pg. 20 the appraisal disclosure was provided to the borrower(s)- see Pg#'330-333 and copy of the appraisal was given to the borrower see Pg#566 The loan meets HPML guidelines." <br> - Due Diligence Vendor-12/19/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856260 | xxxxxx | A | Closed | xxxxxx | 2025-12-23 01:45 | 2026-01-14 08:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.782%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#301 and the Final Closing disclosure on Pg# 102 reflects escrows. Rate lock date was entered correctly see Pg.'s 333 An interior and exterior appraisal was completed for this property – see pg. 35 the appraisal disclosure was provided to the borrower(s)- see Pg#'192 and copy of the appraisal was given to the borrower see Pg#368 The loan meets HPML guidelines." <br> - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-01/14/2026 <br> Resolved-The loan's (7.782%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver and loan information is on Pg#301 and the Final Closing disclosure on Pg# 102 reflects escrows. Rate lock date was entered correctly see Pg.'s 333 An interior and exterior appraisal was completed for this property – see pg. 35 the appraisal disclosure was provided to the borrower(s)- see Pg#'192 and copy of the appraisal was given to the borrower see Pg#368 The loan meets HPML guidelines." <br> - Due Diligence Vendor-12/23/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |

---

## Exhibit 99.25

**EXHIBIT 99.25**

**selene rating agency grades report**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 844352 | xxxxxx |  | xxxxxx C A B |
| 846369 | xxxxxx |  | xxxxxx A C |
| 846462 | xxxxxx |  | xxxxxx C A |
| 847032 | xxxxxx |  | xxxxxx C D A |
| 847306 | xxxxxx |  | xxxxxx C D A |
| 847308 | xxxxxx |  | xxxxxx C A |
| 847479 | xxxxxx |  | xxxxxx D A |
| 848148 | xxxxxx |  | xxxxxx D A |
| 849355 | xxxxxx |  | xxxxxx C A B |
| 849368 | xxxxxx |  | xxxxxx C A B |
| 849749 | xxxxxx |  | xxxxxx B A |
| 849759 | xxxxxx |  | xxxxxx A D |
| 849763 | xxxxxx |  | xxxxxx D A |
| 849772 | xxxxxx |  | xxxxxx C A B |
| 849774 | xxxxxx |  | xxxxxx D A B |
| 849779 | xxxxxx |  | xxxxxx C A B |
| 849780 | xxxxxx |  | xxxxxx C A B |
| 849787 | xxxxxx |  | xxxxxx A C B |
| 849937 | xxxxxx |  | xxxxxx A |
| 850180 | xxxxxx |  | xxxxxx A |
| 850634 | xxxxxx |  | xxxxxx D A |
| 850655 | xxxxxx |  | xxxxxx A |
| 850683 | xxxxxx |  | xxxxxx A |
| 850692 | xxxxxx |  | xxxxxx A |
| 850694 | xxxxxx |  | xxxxxx A D |
| 850700 | xxxxxx |  | xxxxxx D A |
| 850703 | xxxxxx |  | xxxxxx C D A |
| 850707 | xxxxxx |  | xxxxxx C A |
| 850710 | xxxxxx |  | xxxxxx A |
| 850840 | xxxxxx |  | xxxxxx C A B |
| 850901 | xxxxxx |  | xxxxxx A |
| 851097 | xxxxxx |  | xxxxxx C A |
| 851374 | xxxxxx |  | xxxxxx D A |
| 851434 | xxxxxx |  | xxxxxx A |
| 851618 | xxxxxx |  | xxxxxx D A |
| 851794 | xxxxxx |  | xxxxxx C A |
| 851923 | xxxxxx |  | xxxxxx C A B |
| 851924 | xxxxxx |  | xxxxxx C A B |
| 851947 | xxxxxx |  | xxxxxx D A |
| 851996 | xxxxxx |  | xxxxxx A |
| 851999 | xxxxxx |  | xxxxxx D A B |
| 852000 | xxxxxx |  | xxxxxx C D A |
| 852001 | xxxxxx |  | xxxxxx A |
| 852006 | xxxxxx |  | xxxxxx C A |
| 852021 | xxxxxx |  | xxxxxx B A |
| 852025 | xxxxxx |  | xxxxxx A |
| 852027 | xxxxxx |  | xxxxxx C D A |
| 852101 | xxxxxx |  | xxxxxx C A B |
| 852118 | xxxxxx |  | xxxxxx C A B |
| 852441 | xxxxxx |  | xxxxxx C A |
| 852500 | xxxxxx |  | xxxxxx D A |
| 852585 | xxxxxx |  | xxxxxx D A |
| 852682 | xxxxxx |  | xxxxxx A D |
| 852829 | xxxxxx |  | xxxxxx D C A |
| 852830 | xxxxxx |  | xxxxxx A |
| 852831 | xxxxxx |  | xxxxxx C A |
| 852832 | xxxxxx |  | xxxxxx C A B |
| 852833 | xxxxxx |  | xxxxxx C A D |
| 852834 | xxxxxx |  | xxxxxx C A D |
| 852835 | xxxxxx |  | xxxxxx D A B |
| 852836 | xxxxxx |  | xxxxxx A |
| 852837 | xxxxxx |  | xxxxxx D A |
| 852840 | xxxxxx |  | xxxxxx A C D |
| 852842 | xxxxxx |  | xxxxxx D A |
| 852853 | xxxxxx |  | xxxxxx A |
| 852854 | xxxxxx |  | xxxxxx A |
| 852855 | xxxxxx |  | xxxxxx A |
| 852856 | xxxxxx |  | xxxxxx A D |
| 852857 | xxxxxx |  | xxxxxx C A |
| 852858 | xxxxxx |  | xxxxxx C A |
| 852860 | xxxxxx |  | xxxxxx A C |
| 852862 | xxxxxx |  | xxxxxx A |
| 852865 | xxxxxx |  | xxxxxx A |
| 852866 | xxxxxx |  | xxxxxx D A |
| 852868 | xxxxxx |  | xxxxxx A |
| 852968 | xxxxxx |  | xxxxxx D A |
| 853301 | xxxxxx |  | xxxxxx C A |
| 853583 | xxxxxx |  | xxxxxx D A |
| 853682 | xxxxxx |  | xxxxxx A D |
| 853712 | xxxxxx |  | xxxxxx C A |
| 853714 | xxxxxx |  | xxxxxx D A |
| 853939 | xxxxxx |  | xxxxxx C A D |
| 854030 | xxxxxx |  | xxxxxx A |
| 854032 | xxxxxx |  | xxxxxx A |
| 854040 | xxxxxx |  | xxxxxx A |
| 854045 | xxxxxx |  | xxxxxx A |
| 854056 | xxxxxx |  | xxxxxx A |
| 854068 | xxxxxx |  | xxxxxx C D A |
| 854075 | xxxxxx |  | xxxxxx A |
| 854082 | xxxxxx |  | xxxxxx C A |
| 854222 | xxxxxx |  | xxxxxx A |
| 854302 | xxxxxx |  | xxxxxx C A |
| 854627 | xxxxxx |  | xxxxxx C D A B |
| 854745 | xxxxxx |  | xxxxxx C B A |
| 854868 | xxxxxx |  | xxxxxx A |
| 854875 | xxxxxx |  | xxxxxx A |
| 855185 | xxxxxx |  | xxxxxx A |
| 855566 | xxxxxx |  | xxxxxx C D A |
| 856242 | xxxxxx |  | xxxxxx A |
| 856244 | xxxxxx |  | xxxxxx A |
| 856245 | xxxxxx |  | xxxxxx B A |
| 856246 | xxxxxx |  | xxxxxx B A |
| 856251 | xxxxxx |  | xxxxxx A |
| 856252 | xxxxxx |  | xxxxxx A B |
| 856260 | xxxxxx |  | xxxxxx A |

---

## Exhibit 99.26

**EXHIBIT 99.26**

**selene data compare report**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 846462 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2202.67 | 2039.68 | Tape Data not included HOA amount and the subject property is PUD. HOA per Appraisal Report is $xxxxxx/12=$xxxxxx. |
| 846462 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document |
| 846462 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.135 | 1.134 | Calculated DSCR 1.135 is matching with Tape Data DSCR. |
| 846462 | xxxxxx |  | xxxxxx | Prepayment Penalty Type | notePage | Hard | 3 | Prepayment Penalty Type updated Correctly. |
| 846462 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | File is DSCR not required for Income documents. |
| 847032 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4628.16 | 4628.15 | Total Housing Expense PITIA Variance is 0.01. due to Monthly Property Taxes Premium $xxxxxx updated Tax Cert document but 1008 doc showing as $xxxxxx. |
| 847032 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document |
| 847032 | xxxxxx |  | xxxxxx | Prepayment Penalty Type | notePage | Hard | 2 | Prepayment Penalty Type updated Correctly. |
| 847032 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | Doctype updated as per loan program and documentation. |
| 847306 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | 2-4 Family | Property type is 2 to 4 Units verified from appraisal pg #32 and 1-4 rider is on pg. #1 |
| 847306 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2926.09 | 2400.12 | Tape Data not included Monthly Property Tax & Homeowner's insurance amounts, However file is No Escrows. |
| 847306 | xxxxxx |  | xxxxxx | Prepayment Penalty Type | notePage | Hard | 3 | Prepayment Penalty Type updated Correctly. |
| 847306 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | File is DSCR not required for Income documents. |
| 847308 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2389.56 | 1858.56 | PUD property with month HOA amount of $531 and It's not Escrows. |
| 847308 | xxxxxx |  | xxxxxx | Prepayment Penalty Type | notePage | Hard | 3 | Prepayment file with fixed 5% rate for 3 years. |
| 847308 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | DSCR file |
| 847479 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.241 | 1.29 | Audited DSCR is 1.241 which is based off Rent $2,575/ PITIA $2,047.67 (P&I $1,861.66 + Tax $xxxxxx + Hazard $xxxxxx) = 1.241<br>Tape DSCR is 1.290. The difference is 0.049 which is within the tolerance. Lender's DSCR worksheet is missing; unable to validate the lender's DSCR calculations to determine if there is a variance. |
| 847479 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | True data is correct, DSCR is used for qualification and hence doc type updated the same. |
| 848148 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Vacant | Property Type considered from Appraisal report. |
| 849355 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property type updated as per appraisal |
| 849368 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Confirm with appraisal report |
| 849368 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 09-17-2025 | 08/19/2025 | Guidelines version is 09/17/2025 due to Lock Date xxxxxx |
| 849763 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Borrower 1 Self-Employment Flag Yes confirmed. Borrower has sources of Income. Borrower is the sole owner ofxxxxxx and a Wage Earner at xxxxxx. |
| 849772 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Property type is townhouse/PUD Attached as per Appraisal |
| 849774 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.223 | 1.241 | Due to Tax discrepancy.. Audited Tax amount: $xxxxxx/3=$xxxxxx per Tax Information Sheet p448. |
| 849774 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 0 | 431.70 | DSCR FILE |
| 849780 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Updated as per appraisal, subject property is 2-4 units |
| 849787 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 09-29-2025 | 09/17/2025 | Lock date is xxxxxx used guidelines dated 09/29/2025. |
| 849787 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | 1003 shows both the LO and borrower signed on xxxxxx. Print date is also xxxxxx. |
| 849787 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 29.99 | 30.16 | Verified income is more in the amount of $63.25 a month. |
| 849787 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.73 | 44.98 | Verified income is more in the amount of $63.25 a month. |
| 849937 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 09-17-2025 | 09/29/2025 | Underwriting Guideline Version Date is updated as xxxxxx Recent Drop Down. |
| 850634 | xxxxxx |  | xxxxxx | Balance of Other Lien | titlePage | 405807 | 0.00 | Other Lien Balance verified on the provided credit report and mortgage statement |
| 850655 | xxxxxx |  | xxxxxx | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Eligible | OriginatorQM Status Non-qm Lender Confirmed |
| 850703 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.25 | 38.54 | Discrepancy is due to rental income calculations. |
| 850703 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0 | 0.839 | Prime loan with qualifying ratios. |
| 850707 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 20.17 | 20.82 | Verified income for borrower 1 1008 5218 and 1003 and audited amount 5812.47 difference of 594.47 annually and 49.54 monthly. |
| 850707 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0 | 0.917 | Loan is qualified with bank statement income, DSCR not required. |
| 850707 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.43 | 39.48 | Verified income for borrower 1 1008 5218 and 1003 and audited amount 5812.47 difference of 594.47 annually and 49.54 monthly. |
| 851374 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 09-17-2025 | 09/29/2025 | updated as per GL date |
| 851618 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note page 526. |
| 851618 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated per loan program & documentation. |
| 851794 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Borrower 1 Self-Employment Flag updated as per final 1003. Borrower is not self-employed. |
| 851794 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal page 31 and PUD rider is on page 444. |
| 851794 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note page 412. Tape Data is the Disbursement Date. |
| 851794 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | ALT DOC | Doctype updated per loan program & documentation. |
| 851794 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 7614.64 | 7594.64 | Qualifying Total Housing expenses PITIA is matching with 1008 Tape data not included HOA amount. |
| 851923 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 09-17-2025 | 09/29/2025 | 9/17/25 most recent for GL Review Testing |
| 851924 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.246 | 1.385 | Rent $1800 as per 1007. Client provided updated DSCR Worksheet verifying 1.246 DSCR. |
| 851924 | xxxxxx |  | xxxxxx | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | xxxxxx | DSCR | Loan Program confirmed |
| 851924 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 09-17-2025 | 09/29/2025 | Updated as per GL matrix dated 8/19/2025 |
| 851947 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 772 | 763 | Per GL 09.05.2025 page #36, the borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score. As only B1 income is used for qualification, B1 FICO of 772 should be used. However, this FICO difference doesn't impact any GL limits |
| 851947 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, tape data shows only P&I amount whereas true data shows PITIA. |
| 851947 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| 851947 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.18 | 31.60 | Audited DTI |
| 852000 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Updated as per Initial 1003 |
| 852101 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 747 | 756 | Updated qualifying method as Lowest Mid Score as per GL, Updated 1008 not required for DSCR loans |
| 852118 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal pg#25 and PUD rider is on pg#389. |
| 852118 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document |
| 852118 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 852118 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 8616.83 | 8107.58 | Tape Data not included HOA amount and the subject property is PUD. HOA per Appraisal Report is $xxxxxx/12=$xxxxxx |
| 852441 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note doc. |
| 852441 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 1099 Verified | ALT DOC | True data is correct, 1099 is used for income calculation and hence doc type updated the same. |
| 852500 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application date updated as per initial 1003 |
| 852585 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 797 | 767 | Per GL 09.05.2025 page #36, The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score. As B1 income is higher, B1 FIOCO of 797 should be used for qualification. however, this FICO variance doesn't impact GL limits, |
| 852585 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note doc. |
| 852585 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| 852585 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.23 | 32.61 | Audited DTI is 35.09 and lender DTI is 32.61. the difference is 2.48.<br>This is because lender considered B1 net rental income as $3,000 however per lease and mortgage statements on file it is only $52.74. Finding in place. |
| 852829 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, property is a PUD per DOT, appraisal. |
| 852829 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Notedoc. |
| 852829 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculational and hence doc type updated the same. |
| 852829 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 8910.05 | 8843.38 | True data is correct, tape data was not included HOA amount whereas true data shows PITIA. |
| 852830 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 745 | 751 | lowest score available per GLs |
| 852830 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note doc. |
| 852830 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | True data is correct, DSCR is used for qualification, hence doc type updated the same. |
| 852831 | xxxxxx |  | xxxxxx | Loan ID | manual | xxxxxx | xxxxxx | Laura mac Loan Id is confirmed different than tape data. |
| 852831 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note page 1228. |
| 852831 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated per loan program & documentation. |
| 852832 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Borrower is WAGE earner self-employment flag should be No. |
| 852832 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document |
| 852832 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc | Doctype updated as per loan program and documentation. |
| 852832 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.86 | 49.98 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 49.86% but Tape data DTI is 49.98%. Variance is 0.12 within tolerance. |
| 852833 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document |
| 852833 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 852833 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 6565.4 | 5273.44 | Tape Data not included Monthly Property Tax & Homeowner's insurance amounts, However file is No Escrows. |
| 852833 | xxxxxx |  | xxxxxx | B1 Verified Citizenship Designation | fraudReportPage | Permanent Non-US Citizen | Permanent Resident Alien | B1 Verified Citizenship Designation updated Correctly. |
| 852833 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.41 | 36.71 | Audited DTI 44.16% and Lender DTI 46.67%, Variance is 2.51% which is due to that Lender consider Monthly debt as $8,696.87 whereas per our Audit it is $8,229.4 (Credit liabilities $145 + PITIA $6,565.40+REO Rent loss $1,519) and Tape data DTI showing as 36.71%. |
| 852834 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 662 | 647 | Qualifying FICO considered primary wage earner mid score per xxxxxx lending guidelines. |
| 852834 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date considered per note document. |
| 852835 | xxxxxx |  | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | DSCR 30 Yr | Loan program updated from drop down, tape and true data values matches. |
| 852835 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | 2-4 Family | Updated as per the Appraisal and 1008 |
| 852835 | xxxxxx |  | xxxxxx | Prepayment Penalty Type | notePage | Hard | 3 | Updated as per prepayment addendum |
| 852835 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | DSCR loan updated as per loan approval |
| 852836 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property type is 2 to 4 Units verified from appraisal pg #29 and 1-4 rider is on pg. #1 |
| 852836 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | File is DSCR not required for Income documents. |
| 852837 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note doc. |
| 852837 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| 852837 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3264.8 | 3214.80 | True data is correct, tape data shows only P&I amount whereas true data shows PITIA. |
| 852837 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 10.81 | 10.72 | Audited DTI is 140.81 and lender DTI is 10.72. the difference is 0.09 which is within the tolerance. this difference is due to that lender did not consider HOA amount of $xxxxxx in their calculations. |
| 852840 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal pg#51 and PUD rider is on pg#520. |
| 852840 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2577.76 | 2435.68 | Tape Data not included HOA amount and the subject property is PUD. HOA per Appraisal Report is $xxxxxx/12=$xxxxxx. |
| 852840 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.53 | 21.42 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 21.53% but Tape data DTI is 21.42%. Variance is 0.11 within tolerance. |
| 852842 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | File is DSCR not required for Income documents. |
| 852858 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 6.79 | 6.70 | Difference is due to $570.42 a month less income. Per the bank statement calculator 10/25 had deposits in the amount of 228,988.84 being used and per the bank statements it is only $122,976.88 that should have been used. |
| 852862 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified Property Type is a 3 family. |
| 852862 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | 1YR Full Doc | Verified Doc Type is updated as per Loan WVOE Document. |
| 852868 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | When the PUD type is attached, Property type is Town house |
| 852868 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | 1YR Full Doc | Verified 2 years employment, taxes, and WVOE in file. |
| 852968 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 11-04-2025 | 09/29/2025 | Updated to xxxxxx. Rate Lock date xxxxxx |
| 853301 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Borrower is WAGE earner self-employment flag should be No. |
| 853301 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | 2-4 Family | Property type is 2 to 4 Units verified from appraisal pg #34 and 1-4 rider is on pg. #1 |
| 853301 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document |
| 853301 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc | Doctype updated as per loan program and documentation. |
| 853583 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, property is a PUD per DOT, appraisal. |
| 853583 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note. |
| 853583 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| 853583 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 9582.65 | 8987.65 | True data is correct, tape data was not included HOA amount whereas true data shows PITIA. |
| 853682 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Updated as per 1008 & appraisal |
| 853682 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | updated as per note |
| 853682 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3044.46 | 3026.13 | True data is correct, tape data was not included HOA amount whereas true data shows PITIA. |
| 853712 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.37 | 28.11 | Audited DTI is 42.47 % and lender DTI is 28.11%. The difference is 14.36%. This is due to 1) lender considered all other monthly debt as $1891.6 whereas our calculations it is only $3200<br> 2) Lender considered tax amount $xxxxxx & whereas our calculation tax amount is $xxxxxx 3) Lender considered the HOA amount $xxxxxx whereas our calculation amount is $xxxxxx |
| 853939 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date considered from note document. |
| 853939 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Verified doc type considered from loan program & documenation. |
| 853939 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 7795.09 | 7793.00 | Qualifying PITI is accurate per tax & insurance documents. |
| 853939 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.78 | 38.56 | DTI variance 0.22% within tolerance of 1% due to rental income discrepancy between calculated rental income $1,285 & 1008 $1,414.61 |
| 854040 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 11-04-2025 | 09/29/2025 | Verified loan was locked on xxxxxx. Used xxxxxx guidelines. |
| 854040 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.62 | 34.25 | All other monthly liabilities are updated as per latest credit report, however DTI variance is 0.37% and it is with in tolerance. Difference of 98.93. |
| 854075 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 11-04-2025 | 09/29/2025 | As per lock document lock date is xxxxxx using matrix dated xxxxxx. |
| 854075 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 6.18 | 5.92 | Discrepancy is due to P&I. |
| 854075 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.95 | 43.79 | Updated tradelines as per gap credit report. |
| 854222 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated per loan program & documentation. |
| 854302 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal page 39 and PUD rider is on page 304. |
| 854302 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 1099 Verified | ALT DOC | Doctype updated per loan program & documentation. |
| 854302 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4698.26 | 4530.27 | Qualifying Total Housing expenses PITIA is matching with 1008 Tape data not included HOA amount. |
| 854627 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, property is a PUD per DOT, appraisal. |
| 854627 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 790 | 766 | Per GL 09.05.2025 page # 36, the borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score. As only B1 income is used , their FICO of 790 should be used for qualification. However, this FICO variance doesn't impact LTV or DTI. |
| 854627 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct. 12 month bank statement used for Income qualification purpose and hence doc type updated the same. |
| 854627 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3178.59 | 3071.92 | True data is correct, tap data shows only P&I whereas true data shows PITIA. |
| 854745 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 631 | 625 | Confirmed Qualifying FICO is 631 |
| 854745 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Primary Appraised Property Value is $xxxxxx |
| 854875 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 11-04-2025 | 09/29/2025 | updated as per lock date and GL version |
| 854875 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 30.73 | 30.19 | Reduced SE income for deposits made from wage income |
| 854875 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.13 | 35.50 | Reduced SE income for deposits made from wage income |
| 854875 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | B1 is getting wage and self income |
| 854875 | xxxxxx |  | xxxxxx | Borrower 2 Last Name | notePage | xxxxxx | xxxxxx | Per ID |
| 855566 | xxxxxx |  | xxxxxx | Initial Monthly P&I Or IO Payment | notePage | 1687.45 | 2175.04 | Confirmed this is IO Loan. Borrower monthly payment will be in the amount of U.S. $ xxxxxx this Note, and thereafter will be in the amount of U.S. $ xxxxxx prior to the date of change in monthly payment. |
| 855566 | xxxxxx |  | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Maturity Date is xxxxxx |
| 855566 | xxxxxx |  | xxxxxx | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | QM: Safe Harbor (SH) | Originator QM Status is ATR/QM: Exempt |
| 855566 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | DSCR | Verified Doc Type is DSCR |
| 855566 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Primary Appraised Property Value is $xxxxxx |
| 856242 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 35.34 | 35.18 | HTI variance is due to HOA Fee iao $xxxxxx/month which is not provided on 1008. |
| 856242 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.86 | 37.70 | DTI variance is due to HOA Fee iao $xxxxxx/month which is not provided on 1008. |
| 856260 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | 1YR Full Doc | Confirmed 2 Yr Full doc per income documents |

---

## Exhibit 99.27

**EXHIBIT 99.27**

**selene atr qm detail**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 844352 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 846369 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4729.42 | Yes | Employed |  | No |  | No |  |
| 846462 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 847032 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 847306 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 847308 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 847479 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 848148 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A | Not Tested | No | No | No | No | No | Yes | No | No | No | Not Tested |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 849355 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 849368 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 849749 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6752.1 | Yes | Employed | Employed | No | No | No |  |
| 849759 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | 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 | 8116.48 | Yes | Employed | Not Employed | No | No | No |  |
| 849763 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9093.96 | Yes | Employed |  | No |  | No |  |
| 849772 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 849774 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 849779 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 849780 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 849787 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6197.37 | Yes | Employed | Employed | No | No | No |  |
| 849937 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 850180 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 850634 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7364.33 | Yes | Employed | Not Employed | No | No | No |  |
| 850655 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3924.96 | Yes | Not Employed |  | No |  | No |  |
| 850683 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 850692 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 850694 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 850700 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9072.53 | Yes | Employed |  | No |  | No |  |
| 850703 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11712.53 | N/A | Employed | Employed | No | No | Yes | Present |
| 850707 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | 11678.14 | Yes | Employed | Employed | No | No | Yes | Present |
| 850710 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 850840 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 850901 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 851097 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 851374 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 851434 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 851618 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13246.52 | Yes | Employed |  | No |  | No |  |
| 851794 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9400.24 | Yes | Employed |  | No |  | No |  |
| 851923 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 851924 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 851947 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29425.85 | Yes | Employed | Employed | No | No | No |  |
| 851996 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4532.38 | Yes | Employed |  | No |  | No |  |
| 851999 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49827.07 | Yes | Employed |  | No |  | No |  |
| 852000 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29747.41 | Yes | Employed |  | No |  | No |  |
| 852001 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11028.54 | Yes | Employed | Employed | No | No | No |  |
| 852006 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3928.32 | Yes | Employed |  | No |  | No |  |
| 852021 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5707.18 | Yes | Employed |  | No |  | No |  |
| 852025 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | 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 | 31021.96 | Yes | Employed |  | No |  | No |  |
| 852027 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3438.29 | Yes | Not Employed | Not Employed | No | No | No |  |
| 852101 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 852118 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35533.17 | Yes | Employed |  | No |  | No |  |
| 852441 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3327.06 | Yes | Employed |  | No |  | No |  |
| 852500 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 852585 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18529.79 | Yes | Employed | Employed | No | No | No |  |
| 852682 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26270 | Yes | Employed |  | No |  | No |  |
| 852829 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 96149.49 | Yes | Employed |  | No |  | No |  |
| 852830 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 852831 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34043.39 | Yes | Employed | Not Employed | No | No | No |  |
| 852832 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | 5661.44 | N/A | Employed |  | No |  | Yes | Present |
| 852833 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | Yes | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16402.21 | Yes | Employed |  | No |  | No |  |
| 852834 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15474.77 | Yes | Employed | Employed | No | No | No |  |
| 852835 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  | N/A |  |  | No |  | Yes | Present |
| 852836 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 852837 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51264.06 | Yes | Employed |  | No |  | No |  |
| 852840 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13577.24 | Yes | Employed |  | No |  | No |  |
| 852842 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  | N/A |  |  | No |  | Yes | Present |
| 852853 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6138 | Yes | Employed |  | No |  | No |  |
| 852854 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6701.22 | Yes | Employed | Employed | No | No | No |  |
| 852855 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10638.08 | Yes | Employed |  | No |  | No |  |
| 852856 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10556.03 | Yes | Employed |  | No |  | No |  |
| 852857 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9586.87 | Yes | Employed |  | No |  | No |  |
| 852858 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40424.63 | Yes | Employed |  | No |  | No |  |
| 852860 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 82608.64 | Yes | Employed |  | No |  | No |  |
| 852862 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4210.33 | Yes | Employed |  | No |  | No |  |
| 852865 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | 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 | 5675.5 | Yes | Employed |  | No |  | No |  |
| 852866 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4333.62 | Yes | Employed | Employed | No | No | No |  |
| 852868 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8043.31 | Yes | Employed |  | No |  | No |  |
| 852968 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 65384.65 | Yes | Employed | Employed | No | No | No |  |
| 853301 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20412.41 | Yes | Employed |  | No |  | No |  |
| 853583 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 292786.66 | Yes | Employed |  | No |  | No |  |
| 853682 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6847.98 | Yes | Employed |  | No |  | No |  |
| 853712 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | Yes | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11911.07 | Yes | Employed |  | No |  | No |  |
| 853714 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3736.88 | Yes | Employed |  | No |  | No |  |
| 853939 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14014.5 | Yes | Employed | Not Employed | No | No | No |  |
| 854030 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | 20199.82 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 854032 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33279.25 | Yes | Employed |  | No |  | No |  |
| 854040 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17532.36 | Yes | Employed | Employed | No | No | No |  |
| 854045 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10938.3 | Yes | Employed | Employed | No | No | No |  |
| 854056 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7051.29 | Yes | Employed |  | No |  | No |  |
| 854068 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2898.43 | Yes | Employed |  | No |  | No |  |
| 854075 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8267.3 | Yes | Employed |  | No |  | No |  |
| 854082 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5424.98 | Yes | Employed |  | No |  | No |  |
| 854222 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45231.99 | Yes | Employed |  | No |  | No |  |
| 854302 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8162.74 | Yes | Employed |  | No |  | No |  |
| 854627 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3962.41 | Yes | Employed | Not Employed | No | No | No |  |
| 854745 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 163913.48 | Yes | Employed |  | No |  | No |  |
| 854868 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5791.84 | Yes | Employed |  | No |  | No |  |
| 854875 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7580.53 | Yes | Employed | Not Employed | No | No | No |  |
| 855185 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 201969.48 | Yes | Employed |  | No |  | No |  |
| 855566 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 856242 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5654.59 | Yes | Employed |  | No |  | No |  |
| 856244 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2524.71 | Yes | Employed |  | No |  | No |  |
| 856245 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5556.45 | Yes | Employed |  | No |  | No |  |
| 856246 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4494.15 | Yes | Employed |  | No |  | No |  |
| 856251 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7841.39 | Yes | Employed |  | No |  | No |  |
| 856252 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18834.28 | Yes | Employed |  | No |  | No |  |
| 856260 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4889.13 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.28

**EXHIBIT 99.28**

**selene VALUATIONs REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 844352 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-26-2025 |
| 846369 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-15-2025 |
| 846462 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-30-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 67.48 | 67.48 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 |
| 847032 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847306 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 08-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847308 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-22-2025 |
| 847479 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-15-2025 | 1004 URAR |  | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-19-2025 |
| 848148 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849355 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-29-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.78 | 58.78 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849368 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-18-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.13 | 54.13 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849749 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 09-30-2025 |
| 849759 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 849763 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.33 | 58.33 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 |
| 849772 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 |
| 849774 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.37 | 70.37 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-22-2025 |
| 849779 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.12 | 74.12 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849780 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-25-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-29-2025 |
| 849787 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 10-15-2025 |
| 849937 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.65 | 65.65 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850180 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-02-2025 |
| 850634 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 17.24 | 45.23 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-27-2025 |
| 850655 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 08-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850683 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.48 | 52.48 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 850692 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.31 | 52.31 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 10-06-2025 |
| 850694 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.54 | 61.54 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 850700 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-17-2025 |
| 850703 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 850707 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 850710 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.18 | 63.18 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-09-2025 |
| 850840 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 |
| 850901 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-15-2025 |
| 851097 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.5 | 58.5 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-07-2025 |
| 851374 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.0 | 64.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-14-2025 |
| 851434 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-18-2025 |
| 851618 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-26-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 Eligible |  |  |
| 851794 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.63 | 74.63 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851923 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851924 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-03-2025 |
| 851947 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 851996 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.96 | 66.96 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 851999 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.7 | 68.7 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 |
| 852000 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.86 | 70.86 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 10-22-2025 |
| 852001 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.13 | 60.13 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 852006 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.21 | 63.21 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 10-23-2025 |
| 852021 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 10-09-2025 |
| 852025 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.65 | 48.65 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 |
| 852027 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-04-2025 |
| 852101 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-01-2025 |
| 852118 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.95 | 21.95 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 10-21-2025 |
| 852441 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-15-2025 |
| 852500 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-23-2025 |
| 852585 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 |
| 852682 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 10-27-2025 |
| 852829 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.54 | 76.54 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-31-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 10-17-2025 Eligible |  |  |
| 852830 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 |
| 852831 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-24-2025 |
| 852832 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 10-10-2025 |
| 852833 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-15-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 10-15-2025 Eligible |  |  |
| 852834 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-23-2025 |
| 852835 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-30-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.42 | 79.42 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852836 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852837 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.7 | 62.7 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 Eligible |  |  |
| 852840 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-16-2025 Eligible |  |  |
| 852842 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-12-2025 |
| 852853 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-09-2025 |
| 852854 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.13 | 71.13 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 |
| 852855 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852856 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-27-2025 |
| 852857 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-06-2025 |
| 852858 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-06-2025 |
| 852860 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.32 | 78.32 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 10-25-2025 |
| 852862 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852865 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.45 | 55.45 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 |
| 852866 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-01-2025 |
| 852868 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 |
| 852968 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-29-2025 |
| 853301 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.27 | 77.27 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853583 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.93 | 79.93 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 11-19-2025 |
| 853682 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 Eligible |  |  |
| 853712 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 |
| 853714 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 853939 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.98 | 45.98 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-05-2025 |
| 854030 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-03-2025 |
| 854032 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | xxxxxx | -.0105 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 |
| 854040 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 11-11-2025 |
| 854045 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.92 | 76.92 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 10-17-2025 |
| 854056 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-29-2025 |
| 854068 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.49 | 68.49 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-21-2025 |
| 854075 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 854082 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 11-11-2025 |
| 854222 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-17-2025 |
| 854302 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-20-2025 |
| 854627 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-20-2025 |
| 854745 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854868 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2025 |
| 854875 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-07-2025 |
| 855185 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-02-2025 |
| 855566 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856242 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 856244 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 856245 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-27-2025 |
| 856246 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-24-2025 |
| 856251 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-19-2025 |
| 856252 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856260 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 11-07-2025 |

---

## Exhibit 99.29

**EXHIBIT 99.29**

**EVOLVE MORTGAGE SERVICES, LLC ("EVOLVE") EXECUTIVE SUMMARY**

![](tm264015d1_ex99-29img001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

Verus 2026-2

Dated: January 27, 2026

**290 S Preston Road \| Suite 370 \| Prosper, TX 75078**<br>**P: 888.892.1843** **\| evolvemortgageservices.com**<br>

Forward Thinking. Seamless Solutions.

------

**EXECUTIVE SUMMARY**

**Overview** 

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

**Sample size of the assets reviewed.**

The final population of the Review covered 29 loans, consisting of 8 Residential Loans and 21 Business Purpose loans, totaling an aggregate original principal balance of approximately $9,950,817.00 Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

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

The Review was conducted consistent with the criteria for Morningstar DBRS, Inc. ("DBRS") and Fitch Ratings, Inc, the nationally recognized statistical rating organizations ("NRSROs") identified in Item 3 of the ABS Due Diligence-15E.

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

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

---

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

---

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

Additional information about the data integrity review is included below.

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

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

**Credit Application:** For the Credit Application, Evolve 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:** Evolve'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, Evolve: (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 ("DTI") ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** Evolve 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, 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.

**Debt Service Coverage ratio (DSCR):** Evolve calculated and determined DSCR as required by guidelines.

**Asset Review:** Evolve 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, Evolve 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).

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

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

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

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

**Fraud Review:** Evolve 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, Evolve conditioned the mortgage loan for the missing fraud report product.

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

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

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

Additionally, Evolve 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) DTI ratios and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines.

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Association ("SFA") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

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

Evolve'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. Evolve's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Loans), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (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 and (viii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, Evolve'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.

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

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;24.14% | &nbsp;&nbsp;7 | &nbsp;&nbsp;24.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.45% | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;21 | &nbsp;&nbsp;72.41% | &nbsp;&nbsp;21 | &nbsp;&nbsp;72.41% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;79.31% | &nbsp;&nbsp;23 | &nbsp;&nbsp;79.31% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;20.69% | &nbsp;&nbsp;6 | &nbsp;&nbsp;20.69% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;29 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

**Overall Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;22 | &nbsp;&nbsp;75.86% | &nbsp;&nbsp;22 | &nbsp;&nbsp;75.86% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;24.14% | &nbsp;&nbsp;7 | &nbsp;&nbsp;24.14% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;4 | &nbsp;&nbsp;29 | &nbsp;&nbsp;13.79% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;13 | &nbsp;&nbsp;29 | &nbsp;&nbsp;44.83% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;29 | &nbsp;&nbsp;6.90% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;29 | &nbsp;&nbsp;6.90% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;29 | &nbsp;&nbsp;65.52% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;10 | &nbsp;&nbsp;29 | &nbsp;&nbsp;34.48% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;15 | &nbsp;&nbsp;29 | &nbsp;&nbsp;51.72% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;6 | &nbsp;&nbsp;29 | &nbsp;&nbsp;20.69% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.45% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;29 | &nbsp;&nbsp;6.90% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;20 | &nbsp;&nbsp;29 | &nbsp;&nbsp;68.97% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;7 | &nbsp;&nbsp;29 | &nbsp;&nbsp;24.14% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;5 | &nbsp;&nbsp;29 | &nbsp;&nbsp;17.24% |

---

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 7 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

**APPENDIX A**

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

 ****

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

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

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 8 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

&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> 

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 9 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and <br> viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 10 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures; and

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

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 11 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

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

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

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

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

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

 i) determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative amortization feature; <br> c) <u>Mandatory Arbitration Clauses (§1026.36):</u> <br>

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application; and

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 12 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 13 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

 

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

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

 

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 14 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 15 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 16 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 17 \| P a g e |

---

Forward Thinking. Seamless Solutions.

------

**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

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

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-29img003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 18 \| P a g e |

---

## Exhibit 99.30

**EXHIBIT 99.30**

**EVOLVE EXCEPTION DETAIL**

![](tm264015d1_ex99-30img001.jpg)

**Exception Detail**

**Run Date - 01/09/2026 1:55:32 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| xxxxxx | 842512 | xxxxxx | 7149025 | xxxxxx | 07/15/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing Foreign Credit report. | Received xxxxxx credit report |  |  | 07/17/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843277 | xxxxxx | 7219863 | xxxxxx | 11/12/2025 | Credit | UW Other |  | UW Other - UW - Initial/Final 1003 incomplete/missing |  | Provide final 1003. | BP loan Final application dated xxxxxx provided. |  |  | 11/12/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843277 | xxxxxx | 7158810 | xxxxxx | 07/02/2025 | Credit | Closing Package |  | Closing Package - |  | The Final Hud/Settlement Statement is missing from file. | Final HUD/Settlement Statement provided on xxxxxx |  | Reviewer 07/07/2025 11:01 AM; SS uploaded is estimated - need final SS<br>Client 07/18/2025 09:10 AM; Borrower does not sign the final SS they sign the estimate SS only.<br>Reviewer 07/18/2025 09:31 AM; <br>Reviewer 07/18/2025 02:18 PM; xxxxxx <br> The SS uploaded is estimated. Final SS is needed. <br>xxxxxx<br>| 08/04/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843277 | xxxxxx | 7158812 | xxxxxx | 07/03/2025 | Credit | UW Other |  | UW Other - UW - SS verification |  | Provide documentation verifying SSN is exact match. Per credit and fraud report, Borrowers SSN is associated with multiple consumers | Copy of SSN card provided |  | Reviewer 08/13/2025 06:13 PM; Document received did not include verification from xxxxxx of borrower's SS#<br>Client 09/08/2025 04:43 PM; Please find Borrowers social security card for your review. xxxxxx. <br>Reviewer 09/09/2025 05:11 AM; Condition has been reviewed. xxxxxx<br>| 09/08/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843277 | xxxxxx | 7158813 | xxxxxx | 07/03/2025 | Credit | UW Other |  | UW Other - UW - Title Commitment is missing or requires correction. |  | Provide updated title verifying judgment with xxxxxx has been removed from title | Title policy provided |  | Client 08/18/2025 07:16 PM; Please find final title policy. xxxxxx. <br>Reviewer 08/19/2025 05:52 AM; Condition has been reviewed. xxxxxx<br>| 08/19/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 D A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 848768 | xxxxxx | 7686910 | xxxxxx | 11/05/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The borrower is a Non-Permanent-Resident Alien with Employment Authorization documents. Borrower has a category xxxxxx card which is someone who has been granted xxxxxx. |  | Client waived with compensating factors: The borrower has a 775 FICO and the minimum FICO is 640. The LTV is 75% and the maximum LTV is 80%. The residual income is $3,696.61 and the minimum residual income is $1,750. |  |  |  | 11/05/2025 B | 2 | xxxxxx | xxxxxx | 1 | 3 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 850719 | xxxxxx | 7203111 | xxxxxx | 10/28/2025 | Credit | UW Credit |  | UW Credit - UW - Credit - Insufficient |  | As per xxxxxx guidelines, A borrower must have 4 tradelines where 2 are active with a minimum 2 year history. Authorized user accounts are not allowed to be used for trades. |  | Client Waived with Compensating Factors: Reserves of 122.81 months after closing where only 2 months were required, DSCR of 2.71 where 1.0 was required and 798 fico score where the minimum required is 680. |  |  |  | 11/05/2025 B | 2 | xxxxxx | xxxxxx | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 853604 | xxxxxx | 7409410 | xxxxxx | 09/22/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception required due to insufficient condominium reserves (current reserves $10,000.00 -0.66%). |  | Client Waived with Compensating Factors: Borrower self-employed > 5 years (9 years); 25 months of reserves where guidelines only required two (2) months. |  |  |  | 09/22/2025 B | 2 | xxxxxx | xxxxxx | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 853633 | xxxxxx | 7573962 | xxxxxx | 11/10/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | First Time Investors eligible subject to the following restrictions Min credit score 680. Brw FICO 673 |  | Client waived with compensating factors: 69.038 Current LTV where a max LTV is 75%. No reserves required, brw has 99 months of reserves. |  |  |  | 11/10/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 853633 | xxxxxx | 7573963 | xxxxxx | 11/11/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | Borrower has resided at the current primary residence for 8 months. Prior to this, the borrower lived rent free with a friend. Borrowers living rent free with a spouse are acceptable with rent-free letter from spouse and evidence of spouse's ownership. Borrowers living rent free with anyone other than spouse will be considered on a case-by-case basis by underwriter discretion - no evidence in the file of the underwriter's discretion. | Updated 1008 citing UW discretion provided. |  |  | 11/12/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 853643 | xxxxxx | 7409421 | xxxxxx | 10/31/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The following are required as evidence the borrower is in the xxxxxx legally Copy of the borrower's valid and unexpired passport (including photograph) and A copy of the borrower's unexpired Visa; or an I-797 form (Notice of Action) with valid extension dates and I-94 Form (Arrival/Departure Record). Please provide VISA or I-797 |  | Client Waived with Compensating Factors: Passport expires xxxxxx. DSCR 1.61% minimum 1.15%, reserves= $23K, credit reference in file from xxxxxx. |  |  |  | 11/24/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 854386 | xxxxxx | 7409422 | xxxxxx | 10/31/2025 | Credit | UW Other |  | UW Other - UW – Closing Disclosure to evidence source of funds |  | Final borrowers signed settlement statement not in file. borrowers signature page does not match sellers signed signature page. Provide true and clear borrowers signed final settlement statement. | Signed HUD provided |  | Client 11/14/2025 07:51 AM; This escrow agent will barely respond. They said this is the final SS. <br>Reviewer 11/14/2025 10:50 AM; Condition has been reviewed. xxxxxx<br>| 11/14/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 854394 | xxxxxx | 7409415 | xxxxxx | 09/11/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide bank statement analysis worksheet for the borrower. | Bank statement income work sheet provided |  | Client 09/26/2025 02:03 PM; Please find income calc work sheet attached. xxxxxx. <br>Reviewer 09/26/2025 03:05 PM; Condition has been reviewed. xxxxxx<br>| 09/26/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 854394 | xxxxxx | 7409416 | xxxxxx | 09/11/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide evidence the past due account reported on the credit report in the amount of $2,074 has been paid. Per guidelines Past-due consumer debt(s) must be paid current at or prior to closing. Funds used to pay the debt current need to be sourced. |  | Client waived with compensating factors: qualifying DTI 50%, Brw DTI 5.642%. Qualifying FICO 680, Brw FICO 719. 3 months reserves required and Brw has 4+ months. | Client 09/29/2025 05:18 PM; Please find exception for your review. xxxxxx. <br>Reviewer 09/30/2025 05:58 AM; Condition has been reviewed. xxxxxx<br>|  |  | 09/29/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 854395 | xxxxxx | 7409418 | xxxxxx | 10/11/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | The August 2025 xxxxxx xxxxxx is missing from the file. The August statement in the file is 8/2023. Per the bank statement calculation in the file, the Aug 2025 statement was used to determine income | Bank statement provided. |  | Reviewer 10/11/2025 07:45 PM; \*\*\*\*\*Return file to UW for review\*\*\*\*<br>Client 10/27/2025 07:25 AM; Please see attached Income calc worksheet xxxxxx statement to reflect all statements should now be received <br>Reviewer 10/27/2025 07:45 AM; Sent to auditor for review xxxxxx<br>| 10/27/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 854404 | xxxxxx | 7409406 | xxxxxx | 09/19/2025 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | TRID review completed |  |  | 10/03/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D A | C | A |  | Exempt | 1 |
| xxxxxx | 854404 | xxxxxx | 7409407 | xxxxxx | 09/19/2025 | Compliance | Compliance |  | Compliance - CD- Other |  | Provide evidence CD dated xxxxxx was rec'd by the borrower at or prior to consummation date of xxxxxx. | Evidence of receipt provided |  |  | 10/03/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D A | C | A |  | Exempt | 1 |
| xxxxxx | 854404 | xxxxxx | 7409408 | xxxxxx | 09/24/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | A verbal VOE completed within 20 days of the note date for self-employed borrowers is required. Provide Verbal VOE for borrower. | Received CPA letter of active business dated within 20 days of note. In lieu of VVOE, for self-employed borrowers, the existence of the business must be independently verified through a disinterested third party within 20 business days of closing |  |  | 10/07/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D A | C | A |  | Exempt | 1 |
| xxxxxx | 854419 | xxxxxx | 7409411 | xxxxxx | 11/03/2025 | Compliance | Compliance |  | Compliance - TRID CD-Timing |  | The earliest this loan could have funded is xxxxxx. Final CD reflects the loan funded on xxxxxx. Borrowers were not given a full 3 days to recind. If loan funded xxxxxx or after, please provide a PCCD reflecting the correct funding and disbursement dates. | PCCD with correct date provided |  |  | 11/10/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C B A | C | B A |  | Exempt | 1 |
| xxxxxx | 854419 | xxxxxx | 7409412 | xxxxxx | 11/03/2025 | Compliance | Right to Cancel |  | Right to Cancel - Other: |  | Please provide a new recission period for the borrowers. Loan funded before the 3 days were up | PCCD provided |  |  | 11/10/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C B A | C | B A |  | Exempt | 1 |
| xxxxxx | 854419 | xxxxxx | 7409413 | xxxxxx | 11/10/2025 | Compliance | Compliance |  | Compliance - TRID CD- Other |  | PCCD xxxxxx is missing payee's for the lender's title policy, rec service fee, sub escrow fee and wire fee in section C. Plase provide a NEW PCCD with this information completed | PCCD provided |  |  |  | 11/14/2025 | B | 2 | xxxxxx | xxxxxx | 1 | 13 C B A | C | B A |  | Exempt | 1 |
| xxxxxx | 854419 | xxxxxx | 7409414 | xxxxxx | 11/10/2025 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | TRID review completed |  |  | 11/14/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C B A | C | B A |  | Exempt | 1 |
| xxxxxx | 854426 | xxxxxx | 7573961 | xxxxxx | 11/06/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete Verbal VOE |  | Verbal Verifications of Employment must be obtained for each borrower using employment income to qualify. 10 Calendar days for Wage Earners. Note dated xxxxxx | VVOE provided. |  |  | 11/14/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D A | A | A |  | Exempt | 1 |
| xxxxxx | 856478 | xxxxxx | 7409417 | xxxxxx | 12/02/2025 | Credit | Closing Package |  | Closing Package - |  | The Final Hud is missing from file. | Final HUD provided |  | Client 12/08/2025 05:48 PM; Please find final HUD-1 attached. xxxxxx. <br>Reviewer 12/09/2025 05:41 AM; <br>Reviewer 12/09/2025 11:08 AM; xxxxxx <br> This has been cleared. <br>xxxxxx<br>| 12/09/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 856495 | xxxxxx | 7409429 | xxxxxx | 12/03/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | Guidelines require all loans closing in an Entity to provide an EIN/TIN. Provide required documentation. | Received EIN |  |  | 12/07/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |

---

## Exhibit 99.31

**EXHIBIT 99.31**

**EVOLVE DATA COMPARE**

![](tm264015d1_ex99-31img001.jpg)

**Data Compare**

**Run Date - 01/16/2026 1:58:21 PM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| xxxxxx | 842512 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with approval |
| xxxxxx | 842512 | xxxxxx | Self-Employment Flag |  | N | N/A DSCR |
| xxxxxx | 843277 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843277 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843277 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843277 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843277 | xxxxxx | Product Code | xxxxxx 30 YR FIXED NO PPP | xxxxxx30Y | same |
| xxxxxx | 843277 | xxxxxx | QM Status |  | Exempt |  |
| xxxxxx | 845104 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified |
| xxxxxx | 845104 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified |
| xxxxxx | 845104 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 845104 | xxxxxx | PITI | 3137.25 | 2427.25 | $710 HOA fee not included |
| xxxxxx | 845104 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified |
| xxxxxx | 845104 | xxxxxx | Property Type | Non-Warrantable Condo | Condo-Mid 5-8 Stories | Midrise non-Warrantable Condo per appraisal |
| xxxxxx | 845104 | xxxxxx | QM Status |  | Exempt |  |
| xxxxxx | 848768 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with final income documentation and final approval. |
| xxxxxx | 848768 | xxxxxx | Property Zip | xxxxxx | xxxxxx | verified |
| xxxxxx | 850511 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with Approval |
| xxxxxx | 850511 | xxxxxx | Property Zip | xxxxxx | xxxxxx | Verified |
| xxxxxx | 850719 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | DSCR |
| xxxxxx | 850719 | xxxxxx | DSCR | 2.816 | 2.710 | UW did not include the HOA fee |
| xxxxxx | 850719 | xxxxxx | PITI | 1817.70 | 2130.98 | Loan is not escrowed |
| xxxxxx | 851880 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with approval |
| xxxxxx | 851880 | xxxxxx | DSCR | 1.159 | 1.140 | Verified with leases and first payment letter |
| xxxxxx | 851880 | xxxxxx | Self-Employment Flag |  | N | Not Stated Not Verified |
| xxxxxx | 851881 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with approval |
| xxxxxx | 851881 | xxxxxx | Self-Employment Flag |  | N | Verified with the 1003 |
| xxxxxx | 851882 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with loan approval |
| xxxxxx | 851882 | xxxxxx | DSCR | 1.141 | 1.130 | Verified with lease and first payment letter |
| xxxxxx | 851882 | xxxxxx | Self-Employment Flag |  | N | Verified with 1003 |
| xxxxxx | 852184 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with approval |
| xxxxxx | 852184 | xxxxxx | Prepayment Penalty Type | Hard |  | Verified |
| xxxxxx | 852184 | xxxxxx | Self-Employment Flag |  | N | N/A DSCR |
| xxxxxx | 853323 | xxxxxx | QM Status | Exempt | Non-QM | Verified |
| xxxxxx | 853604 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 853604 | xxxxxx | PITI | 9075.05 | 7825.05 | Verified PITI only |
| xxxxxx | 853604 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 853604 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 853618 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 853618 | xxxxxx | Original Amortization Term | 360 | 240 | Verified |
| xxxxxx | 853618 | xxxxxx | PITI | 2484.58 | 2405.42 | $79.16 HOA |
| xxxxxx | 853618 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified |
| xxxxxx | 853618 | xxxxxx | Product Code | xxxxxx 30 YR FIXED IO 3 YR PPP | xxxxxx30YFIO3PPP | Same |
| xxxxxx | 853618 | xxxxxx | QM Status |  | Exempt |  |
| xxxxxx | 853633 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 853633 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified |
| xxxxxx | 853633 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 853640 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 853640 | xxxxxx | PITI | 4330.56 | 4159.56 | Variance due to bid tape includes HOA Dues; Audit reflects PITI |
| xxxxxx | 853640 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified |
| xxxxxx | 853640 | xxxxxx | QM Status |  | Exempt |  |
| xxxxxx | 853643 | xxxxxx | DSCR | 1.610 | 1.200 | Mkt Rent $1,850/PITIA$1,544.71 = DSCR 1.20 |
| xxxxxx | 853643 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 853643 | xxxxxx | PITI | 1544.71 | 1530.96 | HOA $13.75 |
| xxxxxx | 853643 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified |
| xxxxxx | 853643 | xxxxxx | QM Status |  | Exempt |  |
| xxxxxx | 854214 | xxxxxx | Doc Type | Alternative | Debt Service Coverage | Verified with Approval |
| xxxxxx | 854214 | xxxxxx | Prepayment Penalty Type | Hard |  | Verified |
| xxxxxx | 854386 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 854386 | xxxxxx | QM Status |  | Exempt |  |
| xxxxxx | 854389 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 854389 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified |
| xxxxxx | 854389 | xxxxxx | QM Status |  | Exempt |  |
| xxxxxx | 854394 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | verified with loan approval |
| xxxxxx | 854394 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 854394 | xxxxxx | PITI | 2676.14 | 2601.14 | verified with first payment letter |
| xxxxxx | 854394 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 854394 | xxxxxx | QM Status |  | Exempt |  |
| xxxxxx | 854394 | xxxxxx | Qualifying DTI | 5.64200 | 0.10524 | Variance due to primary housing was not included in bid tape. |
| xxxxxx | 854395 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxxxxx | 854395 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 854395 | xxxxxx | PITI | 2225.98 | 2194.73 | Less HOA |
| xxxxxx | 854395 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified |
| xxxxxx | 854395 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 854395 | xxxxxx | Qualifying DTI | 14.95400 | 0.15008 | Verified with total debt $12640.24/Income $84221.02 |
| xxxxxx | 854404 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with approval |
| xxxxxx | 854404 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 854404 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 854404 | xxxxxx | Qualifying DTI | 23.41400 | 0.23361 | Verified with bank statements and total debts |
| xxxxxx | 854419 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 854419 | xxxxxx | QM Status |  | Exempt |  |
| xxxxxx | 854419 | xxxxxx | Qualifying DTI | 48.82500 | 0.48825 | same |
| xxxxxx | 854420 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 854420 | xxxxxx | QM Status |  | Exempt |  |
| xxxxxx | 854420 | xxxxxx | Qualifying DTI | 48.37300 | 0.48373 | same |
| xxxxxx | 854424 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with Lock Confirmation and Loan Approval |
| xxxxxx | 854424 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 854424 | xxxxxx | QM Status |  | Exempt |  |
| xxxxxx | 854424 | xxxxxx | Qualifying DTI | 37.49000 | 0.42013 | Verified Total Debts $5616.27 / Total Income $13,368.04 |
| xxxxxx | 854426 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 854426 | xxxxxx | Product Code | xxxxxx 30 YR FIXED | xxxxxx30YF | Same |
| xxxxxx | 854426 | xxxxxx | QM Status |  | Exempt |  |
| xxxxxx | 854426 | xxxxxx | Qualifying DTI | 34.49600 | 0.34496 | Same |
| xxxxxx | 856477 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 856477 | xxxxxx | PITI | 4002.56 | 2745.56 | Verified PITI only |
| xxxxxx | 856477 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified |
| xxxxxx | 856477 | xxxxxx | Product Code | xxxxxx 30 YR FIXED 2 YR PPP | xxxxxx30Y5YPP | same |
| xxxxxx | 856477 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 856478 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 856478 | xxxxxx | PITI | 3924.95 | 3790.95 | verified with first payment letter |
| xxxxxx | 856478 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 856478 | xxxxxx | Product Code | xxxxxx 30 YR FIXED 5 YR PPP | xxxxxx30Y5YPP | same |
| xxxxxx | 856478 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 856495 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 856495 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified with appraisal |
| xxxxxx | 856495 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified |
| xxxxxx | 856495 | xxxxxx | Product Code | xxxxxx 30 YR FIXED 5 YEAR PPP xxxxxx | xxxxxx30Y5Yxxxxxx | same |
| xxxxxx | 856495 | xxxxxx | QM Status |  | Exempt | Verified |

---

## Exhibit 99.32

**EXHIBIT 99.32**

**EVOLVE QM ATR DATA**

![](tm264015d1_ex99-32img01.jpg)

**QM ATR Data**

**Run Date - 01/16/2026 1:58:21 PM**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| xxxxxx | 842512 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| xxxxxx | 843277 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845104 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 848768 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $0.00 | xxxxxx | 7.358% | Self-Employed |  | Non Permanent Resident Alien | Other |  |  | Yes | $3696.61 |
| xxxxxx | 850511 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $11547.50 | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $8762.25 |
| xxxxxx | 850719 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 851880 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 851881 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 851882 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 852184 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 853323 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $8080.00 | xxxxxx | 0.00% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $6583.02 |
| xxxxxx | 853604 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| xxxxxx | 853618 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| xxxxxx | 853633 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | Other |  |  | No |  |
| xxxxxx | 853640 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required | Not Required | Foreign National |  | Foreign National |  | No |  |
| xxxxxx | 853643 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| xxxxxx | 854214 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 854386 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 854389 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 854394 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 854395 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 854404 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 854419 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 854420 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 854424 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 854426 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Employed |  | Non Permanent Resident Alien | Other |  |  | No |  |
| xxxxxx | 856477 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 856478 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 856495 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.33

**EXHIBIT 99.33**

**EVOLVE RATING AGENCY GRADES**

![](tm264015d1_ex99-33img01.jpg)

**Rating Agency Grades**

**Run Date - 01/16/2026 1:58:21 PM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| xxxxxx | 842512 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843277 | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 845104 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 848768 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 850511 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 850719 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 851880 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 851881 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 851882 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 852184 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 853323 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 853604 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 853618 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 853633 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 853640 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 853643 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 854214 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 854386 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 854389 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 854394 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxxxxx | 854395 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 854404 | xxxxxx | xxxxxx D | C | C | C | C | C A D | A | A | A | A | A |
| xxxxxx | 854419 | xxxxxx | xxxxxx A | C | C | C | C | C A | B | B | B | B | B A |
| xxxxxx | 854420 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 854424 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 854426 | xxxxxx | xxxxxx D | A | A | A | A | A D | A | A | A | A | A |
| xxxxxx | 856477 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 856478 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 856495 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.34

**EXHIBIT 99.34**

**EVOLVE VALUATION REPORT**

![](tm264015d1_ex99-34img01.jpg)

**Valuation Report**

**Run Date - 01/16/2026 1:58:21 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 842512 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250612 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250617 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843277 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250602 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 845104 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250710 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | 20250728 |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 848768 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20251008 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 850511 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20251014 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 850719 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250925 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 851880 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250624 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 851881 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250624 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 851882 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250624 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251008 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 852184 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251007 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.64% | xxxxxx | B | 20251031 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 853323 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251104 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251107 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 853604 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250822 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 853618 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250916 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| xxxxxx | 853633 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251014 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| xxxxxx | 853640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251007 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| xxxxxx | 853643 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251003 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| xxxxxx | 854214 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20251028 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20251110 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 854386 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250922 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20251008 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.9 |
| xxxxxx | 854389 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20251016 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20251022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| xxxxxx | 854394 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250829 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 854395 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250829 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 854404 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250626 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 854419 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250923 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 854420 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20251008 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| xxxxxx | 854424 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251010 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20251010 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| xxxxxx | 854426 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20251023 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 856477 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250910 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| xxxxxx | 856478 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250912 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250918 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 856495 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20251024 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20251118 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.35

**EXHIBIT 99.35**

**CLAYTON SERVICES LLC ("CLAYTON") DUE DILIGENCE NARRATIVE REPORT**![](tm264015d1_ex99-35img01.jpg)

![](tm264015d1_ex99-35img02.jpg)

![](tm264015d1_ex99-35img03.jpg)

**January 23, 2026**

**Due Diligence Narrative Report**

![](tm264015d1_ex99-35img01.jpg)

&nbsp;&nbsp;**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;*Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | *3* |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | *4* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | *7* |
| &nbsp;&nbsp;&nbsp;*Data Capture* | *7* |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

Verus 2026-2 Due Diligence Narrative Report Page \| 1 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-35img04.jpg) | **Michael Taylor** | Client Service Director |
|  |  | Phone: (813) 261-8915/E-mail: <u>mtaylor@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](tm264015d1_ex99-35img04.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 137 residential loans selected for Verus 2026-2. The loans referenced in this narrative report were reviewed from 9/2025 to 12/2025. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review. The population of 137 loans were purchased on a Reliance Letter.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;121 | &nbsp;&nbsp;88.32% |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.19% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;13 | &nbsp;&nbsp;9.49% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**137** | &nbsp;&nbsp;**100.00%** |

---

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

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

Verus 2026-2 Due Diligence Narrative Report Page \| 2 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count<br> Reviewed by<br> Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;137 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;137 |  |

---

Sponsor Acquisition Criteria

The loans were underwritten to origination guidelines. Clayton was supplied with all the guidelines in advance of our review.

Clayton was supplied with all of the changes to the guidelines with advance notice.

Loan Grading

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

Clayton's loan grading complied with rating agency grading definitions published by DBRS, Inc. ("DBRS") and Fitch Ratings, Inc. ("Fitch").

Verus 2026-2 Due Diligence Narrative Report Page \| 3 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ DSCR
 Loans- Reviewed lease agreements and third-party market rent
 documents to confirm compliance with Debt-Service-Coverage-Ratio requirements

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (137 loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CU
 Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Desk
 Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Drive
 By

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Full
 Appraisal

Verus 2026-2 Due Diligence Narrative Report Page \| 4 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

Additional valuation product was not required when CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, additional valuation product was obtained to confirm value was supported. In some cases additional desk reviews were ordered on loans with an acceptable CU score based on guidance from the seller.

Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed
 compliance with state specific consumer protection laws by testing late charge and prepayment
 penalty provisions;

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

---

| |
|:---|
| Notice of Right to Cancel (Right of Rescission) adherence if applicable; |
| TIL Disclosure Timing (3/7/3) and disclosure content; |
| TIL APR and Finance charge tolerances; |
| Timeliness of ARM Disclosures (if applicable); |
| Section 32 APR and Points and Fees Thresholds and prohibited practices; |
| Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements; |
| Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling; |
| Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria; |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points
 and fees evaluation depending on the loan's undiscounted interest rate in relation
 to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per
 discount point.

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point.

---

| |
|:---|
| Prepayment Penalty restrictions. |
| TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau. |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real
 Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

---

| |
|:---|
| GFE initial disclosure timing and content; |
| Confirmed the file contains the final HUD1 Settlement Statement; |
| GFE to HUD1 evaluation for 0% and 10% fee tolerances; |
| Homeownership Counseling Notice; |
| Affiliated Business Disclosure if applicable. |

---

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

Verus 2026-2 Due Diligence Narrative Report Page \| 5 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

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

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

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

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

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook
 County High Cost Ordinance

· Chicago
 High Cost Ordinance

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

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia
 Lender and Broker Act after 6/1/2008

· Minnesota
 §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

Verus 2026-2 Due Diligence Narrative Report Page \| 6 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency
 of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow
 of insurance payments

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

Data Integrity

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

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

▪ Loan
 Reviewer collects validated loan data in eCLAS;

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

▪ Discrepancies
 found during comparison are stored

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") data disclosure requirements. The file format is provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

Verus 2026-2 Due Diligence Narrative Report Page \| 7 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

**Data Compare Results**

Clayton provided VMC Asset Pooler, LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the seller versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;ATR/QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.27% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.54% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.54% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.27% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;11 | &nbsp;&nbsp;91.97% |
| &nbsp;&nbsp;Cash Reserves | &nbsp;&nbsp;55 | &nbsp;&nbsp;59.85% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;19 | &nbsp;&nbsp;86.13% |
| &nbsp;&nbsp;Credit Report Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;96.35% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.54% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;92.70% |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.27% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.08% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;55 | &nbsp;&nbsp;59.85% |
| &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;97.81% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.27% |
| &nbsp;&nbsp;Original Appraisal Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.08% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.08% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;98.54% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;96.35% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;94.89% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;23 | &nbsp;&nbsp;83.21% |
| &nbsp;&nbsp;Representative Credit Score for Grading | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.08% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;53 | &nbsp;&nbsp;61.31% |

---

Verus 2026-2 Due Diligence Narrative Report Page \| 8 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

**Clayton Due Diligence Results**

Below are the initial and final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grade.

**Initial and Final Overall Loan Grade Results (DBRS & Fitch)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;85 |  | &nbsp;&nbsp;12 | &nbsp;&nbsp;21 | &nbsp;&nbsp;**118** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**B** |  | &nbsp;&nbsp;4 | &nbsp;&nbsp;10 | &nbsp;&nbsp;5 | &nbsp;&nbsp;**19** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**C** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**D** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**85** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**137** |

---

\*The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

**Initial and Final Credit Component Grade Results (DBRS & Fitch)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;98 | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;18 | &nbsp;&nbsp;**127** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  | &nbsp;&nbsp;6 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;**10** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**98** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**20** | &nbsp;&nbsp;**137** |

---

**Initial and Final Property Valuation Grade Results (DBRS & Fitch)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;127 |  | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;**133** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 |  | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**127** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**137** |

---

Verus 2026-2 Due Diligence Narrative Report Page \| 9 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

**Initial and Final Regulatory Compliance Grade Results (DBRS & Fitch)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;67 |  | &nbsp;&nbsp;8 | &nbsp;&nbsp;5 | &nbsp;&nbsp;**80** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  |  | &nbsp;&nbsp;6 | &nbsp;&nbsp;1 | &nbsp;&nbsp;**7** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**67** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**87** |

---

***\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review***

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

---

| |
|:---|
| &nbsp;&nbsp;1. ASF Report |
| &nbsp;&nbsp;2. ASF Supplement |
| &nbsp;&nbsp;3. Attestation Forms |
| &nbsp;&nbsp;4. Business Purpose Supplement |
| &nbsp;&nbsp;5. Conditions Report |
| &nbsp;&nbsp;6. Loan Level Tape Compare Upload |
| &nbsp;&nbsp;7. Narrative Report |
| &nbsp;&nbsp;8. Non/QM ATR Upload |
| &nbsp;&nbsp;9. Rating Agency Grades 2.0 |
| &nbsp;&nbsp;10. Valuation Summary Reports |

---

Verus 2026-2 Due Diligence Narrative Report Page \| 10 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

**Appendix A: Credit Review Scope**

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

A. Verified that the characteristics of the mortgage loan and borrower conformed
 to the Sponsor Acquisition Criteria requirements including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o DTI

o LTV/TLTV/HLTV

o Credit
 score

o Income
 and employment

o Assets
 and reserves

o Property
 type and use eligibility; and if the property type was a condominium or cooperative, assessed
 project adherence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower
 eligibility, including:

- Citizenship status

- Non-occupant co-borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Transaction
 eligibility, including:

- Maximum loan amount

- Loan purpose

- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Noted
 any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified
 that approved exceptions included required, documented compensating factors

B. As part of the guideline review, Clayton performed a credit analysis during
 which various documents were examined, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Uniform
 Residential Loan Application reviewed to determine:

---

| |
|:---|
| Initial loan application was in the loan file and was signed by all borrowers |
| Final loan application was in the loan file and was complete |
| Information and debts disclosed on loan application aligned with related documentation in the loan file |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment
 analyzed and verified through use of various documents, including:

---

| |
|:---|
| Income documentation |
| Verbal and/or written verifications of employments (VVOE, VOE) |
| CPA letter |
| Business licenses |
| Tax transcripts (IRS Form 4506-T) |
| Other documentation in loan file |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income
 review included:

---

| |
|:---|
| Required income documentation for all borrowers was present and within required time period |
| Documents did not appear to have been altered or inconsistent |
| IRS Form 4506-T |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Signed
 by all borrowers and processed by the originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared
 IRS tax transcripts to income documentation and noted any inconsistencies

- Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax
 returns

▪ Financial
 statements

Verus 2026-2 Due Diligence Narrative Report Page \| 11 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease
 agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other
 documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;o Asset
 review included:

- Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Verification
 of deposits (VOD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other
 evidence of conveyance and transfer of funds, if a sale of assets was involved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other
 documentation in loan file

- Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

&nbsp;&nbsp;&nbsp;&nbsp;o Credit
 Report review included:

---

| |
|:---|
| Complete copy of report was in loan file |
| Report was dated within required timeframe |
| All borrowers were included in the report |
| Checked any fraud alerts against related loan file documentation |
| Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation |
| Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation |
| Captured and utilized appropriate credit score for guideline review |

---

&nbsp;&nbsp;&nbsp;&nbsp;o Title
 policy review included:

- Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold
 estate

---

| |
|:---|
| Appropriate vestee(s) were listed on title policy |
| Amount of coverage was greater than or equal to the original principal amount of the mortgage |
| Applicable title endorsements were present |
| Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issue was addressed in the transaction |
| Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable) |
| Captured monthly tax payments in debt ratio calculation |

---

&nbsp;&nbsp;&nbsp;&nbsp;o HUD1
 (Settlement Statement) review included:

---

| |
|:---|
| Funds to close identified and analyzed against borrower's assets |
| Seller contributions did not exceed maximum allowed |
| Subject property, seller and borrower aligned with other loan documentation |
| Disbursements and pay-offs included in debt ratio calculations |

---

Verus 2026-2 Due Diligence Narrative Report Page \| 12 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

- Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood
 insurance review included:

- Verified presence of required hazard insurance and flood insurance (if required) <br> - Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct
 loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Life
 of loan, if flood insurance required

---

| |
|:---|
| Confirmed that any required insurance minimum coverage amount and policy period |
| Reviewed for evidence that any required insurance policy premium was paid |
| Confirmed that the mortgagee clause listed the lender's name and "its successors and assigns" |
| Confirmed that the payment amount on any required insurance was included in the debt ratio calculation |

---

&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage
 Insurance review included:

---

| |
|:---|
| Determined if mortgage insurance is required |
| Captured mortgage insurance name, certificate # and percentage guarantee (when required) |

---

C. For each mortgage loan, Clayton examined the mortgage or deed of trust
 for evidence of recordation. In lieu of a copy of the mortgage or deed of trust with recording
 information, a copy of the mortgage or deed of trust that is stamped "true and certified
 copy" by the escrow/settlement agent plus recording directions on closing instruction
 documentation was utilized as evidence for recording.

D. For each mortgage loan, Clayton utilized the results from an independent,
 third-party fraud tool along with information in the loan file to identify and address any
 potential misrepresentations including:

&nbsp;&nbsp;&nbsp;&nbsp;o Borrower
 identity

- Social Security inconsistencies <br> - Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history <br> - Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;o Employment

&nbsp;&nbsp;&nbsp;&nbsp;o Licensing
 – reviewed NMLS data for:

- Mortgage lender/originator <br> - Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

Verus 2026-2 Due Diligence Narrative Report Page \| 13 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

**Appendix B: Origination Appraisal Assessment**

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified that the mortgage loan file contained
 an appraisal report and that it met the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal
 report used standard GSE forms, appropriate to the property type:

---

| |
|:---|
| FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium) |
| FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD) |
| FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD |
| FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units |
| FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review |
| FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review |

---

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal
 report was reasonably complete and included:

---

| |
|:---|
| Appraisal report form, certification, statement of limiting conditions and scope of work |
| Accurate identification of the subject property |
| Accurate identification of the subject loan transaction |
| Accurate identification of the property type, in both land and improvements |
| All required attachments including: |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 interior photos – kitchen, all baths, main living area, updates/upgrades, deferred
 maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Photos
 of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location
 map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Exterior
 sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1004MC
 Market Conditions Report

---

| |
|:---|
| Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions |
| Appraisal date met supplied Sponsor Acquisition Criteria |
| If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria |

---

B. Performed a general credibility assessment
 of the results of the appraisal per Title XI of FIRREA and USPAP based on the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Title
 XI of FIRREA:

If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

Verus 2026-2 Due Diligence Narrative Report Page \| 14 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

---

| |
|:---|
| Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal. |
| Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a risk to the property or occupants |

---

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

C. Reviewed and graded the appraisal valuation
 to the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised
 value was reasonably supported. Utilized the following review in making value supported determination:

---

| |
|:---|
| Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained |
| Comps used were reasonably recent in transaction date and if not the reason was furnished |
| Comps used were reasonably similar to the subject property and if not an explanation was supplied |
| Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished |
| Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline. |

---

&nbsp;&nbsp;&nbsp;&nbsp;o Property
 was complete. However, if the property was not 100% complete, then any unfinished portion
 had no material impact to the value, safety, soundness, structural integrity, habitability
 or marketability of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal
 was reviewed for any indication of property or marketability issues. Utilized the following
 key points in making determination:

---

| |
|:---|
| Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions |
| Property usage was reviewed for zoning compliance |
| Property utilization was reviewed to determine it was "highest and best use" |
| Neighborhood values were reviewed to determine if declining |
| Market conditions were reviewed to determine indication of possible marketability issues: |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant
 occupancy

---

| |
|:---|
| Physical condition of the property was reviewed to determine that the property condition was average or better |
| Style of property was reviewed to determine if unique property |
| Any health and safety issues were noted and/or remediated |
| Locational and/or environmental concerns adequately addressed if present |

---

D. Property Eligibility Criteria – Clayton
 reviewed the property to determine that the property met the client supplied eligibility
 requirements. Examples of ineligible property types may include:

&nbsp;&nbsp;&nbsp;&nbsp;o 3
 to 4 unit owner occupied properties

o 2
 to 4 unit second homes

o Unwarrantable
 or limited review condominiums

o Manufactured
 or mobile homes

o Condotel
 units

o Unique
 properties

o Working
 farms, ranches or orchards

Verus 2026-2 Due Diligence Narrative Report Page \| 15 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use
 properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties
 exceeding Sponsor Acquisition Criteria requirements for excess acreage

E. Properties Affected by Disasters Criteria
 – Clayton reviewed the appraisal date against any FEMA Declared Disaster Areas that
 were designated for Individual and/or Public Assistance due to a federal government disaster
 declaration.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If
 the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton
 will specify whether or not there has been a property inspection since the date listed, the
 latest inspection date, whether or not new damage has been indicated, and the amount of said
 damage.

F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;o The
 individuals performing the aforementioned original appraisal assessment are not persons providing
 valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP")
 or necessarily licensed as appraisers under Federal or State law, and the services being
 performed by such persons do not constitute "appraisal reviews" for purposes
 of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 makes no representation or warranty as to the value of any mortgaged property, notwithstanding
 that Clayton may have reviewed valuation information for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 is not an 'AMC' (appraisal management company) and therefore Clayton does not
 opine on the actual value of the underlying property

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 is not a 'creditor' within the meaning of ECOA or other lending laws and regulations,
 and therefore Clayton will not have any communication with or responsibility to any individual
 consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton
 does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;o Clear
 Capital "CDA" means a written retrospective analysis of an appraisal
 of residential real property relating to completeness, reasonableness, and relevance. The
 relevant appraisal shall be provided to Clear Capital by Customer. The CDA will
 offer an alternative value, if deemed appropriate, based on the analysis of the competitive
 market as of the effective date of the appraisal provided. The CDA will also
 provide an analysis of the appraisal provided, including supporting narrative
 and data to fully support the CDA value and outline deficiencies within the
 appraisal. The CDA will also contain a Risk Score and Risk Indicators based
 upon the findings of the analysis for the appraisal provided to Clear
 Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's
 Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file
 completed by a licensed appraiser. The ARR validates subject and comparable data and
 characteristics, confirms the original appraiser's methodologies, credentials, and
 commentary to ensure compliance with regulatory requirements and industry accepted best practices,
 and flags all risk factors while also providing a final value reconciliation used to grade
 the loan.

Verus 2026-2 Due Diligence Narrative Report Page \| 16 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

**Appendix C: Regulatory Compliance Review Scope**

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o GFE/HUD1:
 confirm the correct version of the GFE and HUD1 were properly completed under the Regulation
 X Final Rule that became mandatory on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial
 Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days
 of valid changed circumstance documentation within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms
 on the HUD1 correspond to the actual loan terms from the Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final
 GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed
 the Final GFE in the 0% or 10% fee tolerance categories, including a review for a Settlement
 Service Provider List if the lender excludes fees that the borrower can shop for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Affiliated
 Business Disclosure: if the loan file indicates the lender or broker referred the borrower
 to a known affiliate, confirm the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Homeownership
 Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided
 to the borrower within 3 days of application

**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis
 on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TIL
 Disclosure: Content of Disclosures – perform an independent recalculation of the finance
 charges and APR to determine whether the amounts disclosed on the final TIL were within allowable
 tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement
 Act for loans applications on or after January 30, 2010. Additional disclosure content
 with a focus on the consistency of the prepayment penalty disclosure and assumption policy
 with the note and security instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage
 Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure
 within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures
 provided at least 3 days prior to consummation for applications received on or after July 30,
 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM
 Disclosure: confirm these disclosures are in the file within 3 days of application, or 3
 days of the borrower discussing ARM programs identified within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right
 of Rescission – Review the disclosure form type, disclosure timing, disclosed dates,
 other material disclosures, and the loan disbursement (Section 23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High
 Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High
 Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher
 Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal
 requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prohibited
 Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents,
 financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM
 Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014,
 confirm the loan file contains documentation to evidence the lender considered and verified
 the borrower has the ability to repay in accordance with the ATR requirements This included
 identifying whether QM loans met agency exemptions or were underwritten in accordance with
 Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered
 and verified the 8 underwriting factors as required for ATR compliance. This review also
 includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

Verus 2026-2 Due Diligence Narrative Report Page \| 17 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA
 Integrated Disclosure Rule: "The Initial TRID Scope"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test
 whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE")
 and Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application
 Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application
 forms cannot look similar to the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application
 forms must contain the required disclaimer ("Your actual rate, payment, and costs could
 be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 LE was delivered or placed in the mail within 3 business days of the broker or lender receiving
 an application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 loan does not consummate (Clayton looks to the later of the note date or notary date) until
 the later of seven business days after the LE is delivered or placed in the mail and three
 business days after the CD (or Corrected CD when a new three-day waiting period is triggered)
 is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That
 a revised LE or CD is provided within three business days of the lender having knowledge
 of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero
 and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If
 a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 number of columns and timing of changes to payments as well as the mortgage insurance drop-off
 match Clayton's calculated payment schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only
 periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The
 total of the principal and interest payment, mortgage insurance and escrow amounts add up
 correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When
 applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy
 of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount
 Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance
 Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total
 of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total
 interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance
 with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance
 with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance
 with date entry requirements (such as when a field, if not applicable, must be present and
 left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization
 of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title
 fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column
 or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination
 Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency
 within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once
 a fee is disclosed it must remain substantially the same name across disclosures.

Verus 2026-2 Due Diligence Narrative Report Page \| 18 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency
 between the Costs at Closing and Calculating Cash to Close tables, for which there is a version
 for transactions with a seller and an optional, but not required, version for transactions
 without a seller. They should be consistent within and across disclosures.

· Where
 amounts in a table reference that they are derived from another section of the form, that
 the amounts match the amount in the section referenced.

· Escrow
 amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed
 in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion
 of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All
 required fields not specifically listed herein are completed or left blank in accordance
 with TRID rules; creditor information, contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For
 areas where multiple options are provided, such as Assumption, Negative Amortization and
 Liability after Foreclosure, only one option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That
 there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton
 will capture if the borrower waived their waiting period and the sufficiency of the waiver
 under TRID. However, based on past experience with clients, Clayton will also issue an exception
 for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected
 CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 the APR increased or decreased outside of tolerance requiring a new waiting period and whether
 that waiting period was provided. For APR decreases Clayton will look to whether the APR
 decreased due to a reduced finance charge, which will be considered to be within tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 the product or a product feature changed which requires a new waiting period and whether
 that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether
 a prepayment penalty was added requiring a new waiting period and whether that waiting period
 was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close
 CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected
 CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close
 CD's to correct numerical errors based on events (such as recording) occurring within
 30 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close
 CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision
 and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written
 List of Providers, when there are items in in the Services You Can Shop For category (can
 impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated
 Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside
 of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy
 of the LE in terms of whether fees are within the correct category and loan terms where we
 would need a Note to verify. More detailed testing will occur by comparing the final CD to
 the Note terms.

· Whether
 the Liability after Foreclosure selection is correct for the property state.

· Accuracy
 of the Aggregate Adjustment amount.

· Presence
 and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

Verus 2026-2 Due Diligence Narrative Report Page \| 19 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy
 of the Contact Information for the lender, broker and settlement agent. Clayton will look
 for discrepancies across forms, but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home
 Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold
 reportable.

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton tests whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

**B.** **State/Local High Cost** 

Clayton tests whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high-cost testing:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp;Vermont<br> (High Rate, High Point law) |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp;Ohio, including<br> Cleveland Heights ordinance |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

Verus 2026-2 Due Diligence Narrative Report Page \| 20 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota
 (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto
 Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas
 (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West
 Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

Verus 2026-2 Due Diligence Narrative Report Page \| 21 January 23, 2026

![](tm264015d1_ex99-35img01.jpg)

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk.

Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

Verus 2026-2 Due Diligence Narrative Report Page \| 22 January 23, 2026

## Exhibit 99.36

**EXHIBIT 99.36**

**clayton conditions report**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2026-2** |
| **Start - End Dates:** | **9/18/2025 - 12/17/2025** |
| **Deal Loan Count:** | **137** |

---

**Conditions Report**

---

| | |
|:---|:---|
| **Loans in Report:** | *137* |
| **Loans with Conditions:** | *52* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Morningstar/DBRS Initial Securitization Compliance Loan Grade** | **Morningstar/DBRS Final Securitization Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Moodys Overall Loan Grade** | **Final Moodys Overall Loan Grade** | **Initial Moodys Credit Loan Grade** | **Final Moodys Credit Loan Grade** | **Initial Moodys Property Valuations Loan Grade** | **Final Moodys Property Valuations Loan Grade** | **Initial Moodys Compliance Loan Grade** | **Final Moodys Compliance Loan Grade** | **Initial KBRA Compliance Loan Grade** | **Final KBRA Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 846659 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 6 years. Borrower has owned property with 0 x 30/60/90 with 39 months reported on current mortgage. Property owned since xxxxxx per property report in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 720 exceeds the guideline minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $23,001.10, 11 months. 6 months reserves are required. |
| 847562 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing final signed 1003. | 11-11-25 Client replied: esigned commercial loan app uploaded | 11-12-25 Clayton reviewed esigned application and tracking log. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 708 exceeds the minimum of 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3% of revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $135362.20, 103.55 months reserves, 6 months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.4153 (Rent $1850 / Expenses $1307.16) |
| 847562 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER4238 | Business entity does not meet guidelines | No | Missing Articles of Organization for xxxxxx. | 11-3-25 Client replied: included in original upload, reuploaded11-4-25 Client replied: xxxxxx docs uploaded | 11-3-25 Clayton reviewed uploaded docs: xxxxxx Agreement, Evidence of EIN, Good standing letter. Articles of organization for xxxxxx was not provided which is required per guidelines (Sec 4.14). Exception remains. 11-5-25 Clayton reviewed LLC Cert of formation which is product of art of organization being filed with state. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 708 exceeds the minimum of 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3% of revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $135362.20, 103.55 months reserves, 6 months required<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: DSCR: 1.4153 (Rent $1850 / Expenses $1307.16) |
| 847565 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 32.727 is below the 70% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 676 FICO score is above the 660 minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 54.4 months reserves is above the required 12. |
| 847628 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 789. Guideline minimum 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $154,395.01, 28.65 months. 6 months reserves required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 385 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 152 months of 0x30 mortgage history per CBR. |
| 847799 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 761 is 61 points above minimum program requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower only using 10% of available revolving credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $693,623.45/118.82 ITIA which is > guideline minimum of 6 months ITIA. |
| 847802 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 77.32 months of reserves is above the 6 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65% LTV is below the 75% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 792 FICO score is above the 660 min. |
| 847803 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing 6 months reserves as required per guidelines. Cash reserves: $33,502.30 or 5.87 months of PITIA. 6 months required. | 10-16-25 Client replied: Borrower has sufficient reserves. Total verified funds as of 9/23/2025 $152,776. Required cash to close is $114,336.60 plus 6 months reserves of $34228.98 (6x5704.83) = total required for cash to close and reserves $148,565.38 minus verified funds of $152776 leaves $4,210.62 left over. The borrower brought $119273.70 to close but got back $4937.10 per settlement statement so actual funds required was 114,336.60. please see upl document | 10-16-25 Clayton reviewed file and final HUD reflecting $119,273.70 paid and $4,937.10 refunded for overpayment. Recalculated cash to close based on final HUD reflects sufficient cash reserves. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $38,439.40, 6.74 months. 6 months required, $34,228.92.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.99% is below the maximum allowable of 75%.<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $48,750 above the required $243,250 down payment for a total down payment of $292,000. |
| 847803 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 10-16-25 Client uploaded final HUD. | 10-16-25 Clayton reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $38,439.40, 6.74 months. 6 months required, $34,228.92.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 69.99% is below the maximum allowable of 75%.<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $48,750 above the required $243,250 down payment for a total down payment of $292,000. |
| 848438 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 796 is 96 points above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 85%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is only using 2.9422% of available revolving credit.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 205 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 121 months of 0x30 mortgage history per CBR. |
| 848439 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $204,243.90 or 86.59 months PITI reserves exceed required reserves of 6 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 731 exceeds guidelines. 700 minimum.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers management of 13 open trade lines of 0 x 30 reflects a good credit history. |
| 848444 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | C | B | C | A | C | B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST205 | Insufficient Funds to Close | No | Missing verification of assets sufficient to close at $82,865.02, and verification of assets sufficient to meet reserve requirement $14,068.80.Lender provided most recent xxxxxx statement dated 8/31/2025 with a balance of $16,723.32. Provide evidence of sufficient funds to close and reserves. | 10-29-25 Client replied: attached is copy of xxxxxx xxxxxx Oct online activity. Balance thru 10/20 is $176,900.52 documenting sufficient funds to cover cash to close and reserve requirement. Utilized funds up to xxxxxx Note date. | 10-30-25 Clayton reviewed xxxxxx printout - balance as of xxxxxx at $176,900.52 used. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $94,035.50, 40.10 months. 6 months reserves required.<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Short term market rents per xxxxxx report are $51,600/12\*80% = $3440.DSCR: 1.4671 (Rent $3440 / Expense $2344.80). DSCR minimum required 1.0. |
| 848444 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | C | B | C | A | C | B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing verification of assets sufficient to meet cash reserve requirement of $14,068.80.Lender provided xxxxxx account statement xxxxxx dated 8-31-25 with a balance of $16,723.32. Provide evidence of sufficient reserves. | 10-29-25 Client replied: attached is copy of xxxxxx xxxxxx Oct online activity. Balance thru 10/20 is $176,900.52 documenting sufficient funds to cover cash to close and reserve requirement. Utilized funds up to xxxxxx Note date. | 10-30-25 Clayton reviewed xxxxxx printout - balance as of xxxxxx at $176,900.52 used. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $94,035.50, 40.10 months. 6 months reserves required.<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Short term market rents per xxxxxx report are $51,600/12\*80% = $3440.DSCR: 1.4671 (Rent $3440 / Expense $2344.80). DSCR minimum required 1.0. |
| 848444 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | C | B | C | A | C | B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | Property Valuations | Property | Waived C B | PRVAPROP2674 | Property Issues Indicated 2 | No | Non-Warrantable Condo/HOA litigation with 2 active lawsuits. Exception approved at originations. Provide evidence that potential damages do not exceed 25% of HOA reserves or documentation from the insurance carrier or attorney representing the insurance carrier that the insurance carrier has agreed to conduct defense and the HOA insurance policy is sufficient to cover the litigation expense. | 10-29-25 Client replied: As notated above theres 2 pending litigations, one of which the HOA is the plaintiff so that doesnt apply to the 25% of damages. The other pending litigation has the defendant seeking $50k in damages. HOA budget attached reflects sufficient funds to cover 25% of potential damages ($354,191 x 25% = $88,547) 11.03.2025 - Acknowledged by client. | 10-30-25 Clayton reviewed budget. Client provided an approved exception for condo with pending litigation. Clayton deems non-material/non-fatal to lending decision as budget appears sufficient to cover damages and due to compensating factors: Cash reserves of 40.10 months/6 required and DSCR of 1.4671/1.0 minimum required. Non-material exception remains. 11.03.2025 - Non-material exception remains. borrower and subject property are not involved in the litigation | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $94,035.50, 40.10 months. 6 months reserves required.<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Short term market rents per xxxxxx report are $51,600/12\*80% = $3440.DSCR: 1.4671 (Rent $3440 / Expense $2344.80). DSCR minimum required 1.0. |
| 848808 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 824 is 124 points above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 53.5718%; guidelines allow 85%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is only using 2% of available revolving credit. |
| 848813 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing residency information on loan application. Unable to determine citizenship for the borrower. | 10-2-25 Client uploaded 1003. | 10-6-25 Clayton reviewed 1003 and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 718 is above the required 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of70 is below the maximum allowable of 85%.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 19%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 117 months of 0x30 consumer credit history per CBR. |
| 848815 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 15 years with VOR and letter in file from Landlord and copy of lease verifying 3 years with no late payments. Credit report reflects address in borrower history dating back to 2016.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 41.86% G/l max is 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 783. G/l min is 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 1% consumer credit utilization in file |
| 849085 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 721 is 21 points above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $44,174.23/9.69 PITIA which is > guideline minimum of 6 months PITIA.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30x24 on all open tradelines. |
| 849196 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 qualifying credit score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below the 85% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 13.79 months reserves is above the required 0.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 6 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 238 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 57 months of 0x30 prior Mortgage history on CBR. |
| 849197 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing hazard insurance. Document missing in file. | 10-9-25: Client uploaded hazard insurance. | 10-9-25: Clayton reviewed hazard insurance, meets requirements. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $17,761.47 or 10.27 months of PITIA. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 45 is below the maximum allowable of 75%<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrowers down payment contribution of 55% ($XXX) exceeds 25% requirement. |
| 849199 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 24 years.Borrower has owned property since xxxxxx per fraud report and current mortgage verified with 24 months reported at 0x30/60/90.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 24% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $89,043.01 or 26.68 months piti reserves. 6 months required. |
| 849201 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 63.01 months reserves is above the required 6.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 45.918% LTV is below the 65% max. |
| 849397 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 664 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 104.22 months reserves is above the 6 required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 4 years of current mortgage history and only 12 months is required. |
| 849692 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of732 is above the required 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65 is below the maximum allowable of 70<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $151766.72 or 10.95 months of PITIA. 9 months required. |
| 849993 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Provide Final HUD-1 | 10-22-25 Client uploaded final HUD. | 10-23-25 Clayton reviewed HUD and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 credit score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 64.403% LTV is below the 70% maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $529,329.07, 124.03 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 8 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 revolving trade delinquency since 4/2022 per CBR. |
| 849998 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $302,492.44/66.38 PITIA which is > guideline minimum of 6 months PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 43.956%; guidelines allow 75%. |
| 849999 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $196565.65, 46.45 months. 6 months reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 746. The guideline minimum is 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is utilizing 12% of the available revolving limit. |
| 850000 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 700 is 766 points above minimum program requirement of 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is only using 16% of revolving credit.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $238,183.17, 38.22 months; 0 months required. |
| 850002 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $401,460.80, 112.65 months. No reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 756 exceeds the guideline minimum of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is less than the guideline maximum of 85%. |
| 850003 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | C | A | A | A | C | A | A | A C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing documentation supporting a cleared Appraiser from the Custom list on the Fraud Report. | 10-16-25 Client emailed with copy of license. | 10-17-25 Clayton reviewed email, license and snip of fraud report. Per client license and active status with ASC on fraud report was used to clear the Custom list alert on fraud report. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 786 exceeds the minimum of 700<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 19 yrs residing in current residence<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 6% revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $129431.85, 93.20 months reserves, 6 months required<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 240 months of 0x30 consumer credit history per CBR. |
| 850004 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%;guideline allows 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 723 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $1,399,069.72, 254.30 months. 0 months required |
| 850005 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | C | B | A | A | C | B | A | A C B | A | A C B | A | A | Property Valuations | Property | Waived C B | PRVAPROP241 | Property Type unacceptable under guidelines | No | Condo is currently in litigation due to xxxxxx. | The litigation pending is isolated to a specific unit in the project, it does not mention in the lawsuit that any other units (including our subject) were affected. The HOA has 6 million in reserves, well over enough to cover the plaintiffs $50k damages requested. 10.20.2025 - Acknowledged by client. | 10.17.25 Exception deemed grade B. 10.20.2025 - Non-material exception remains. borrower and subject property are not involved in the litigation | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 683 is 23 points above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x13 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 850005 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | C | B | A | A | C | B | A | A C B | A | A C B | A | A | Property Valuations | Property | Waived C B | PRVAPROP243 | Property Shows Significant Deferred Maint. or Repairs Needed | No | FS558 Turnover Report dated xxxxxx and Supplement dated xxxxxx reflect xxxxxx required. Email dated xxxxxx indicates only SPA room xxxxxx. xxxxxx and xxxxxx xxxxxx (xxxxxx) are said to be in progress. | Attached is a copy of update to the 558 xxxxxx dated 8/1/25, as stating all xxxxxx are being prioritized based on urgency. Nothing in the report states any conditions severe enough to affect the xxxxxx. 10.20.2025 - Acknowledged by client. | 10.17.25 Exception deemed grade B. 10.20.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 683 is 23 points above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x13 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 850006 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | C | A | C | A | A | A | N/A | N/A C | N/A | N/A C | N/A | N/A | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | 1007 reflects annual income of $14,000 instead of monthly income of $14,000.Provide corrected 1007 reflecting monthly income of $14,000. | 10-21-25 Client replied: See page 11 of revised appraisal report.. Appraiser is not able to change the word annual because it is not an editable field so he added comment. | 10-22-25 Clayton reviewed updated appraisal with comments that "the number used was for monthly rental." Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 764 FICO score is above the 740 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 3 years of current mortgage history is above the required 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 30.96 months of reserves is above the required 3. |
| 850008 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Fraud report is incomplete, no borrower information is found and borrower is not on the participant list. | 10-27-25 Client uploaded fraud report. | 10-27-25 Clayton reviewed fraud report. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 756 is above the required 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 10%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $86646.40 or 12.85 months of PITIA. 12 months required. |
| 850009 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | C | B | C | B | A | A | N/A | N/A C B | N/A | N/A C B | N/A | N/A | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Short $615.53 in cash reserves. Cash reserves = $21,765.37 or 5.84 months. 6 months, $22,380.90, reserves required. Assets verified: xxxxxx xxxxxx 9-17-25 $111,862.92, xxxxxx 9-25-25 $2001.67. | 10-8-25 Client uploaded post close exception. 10.13.2025 - Acknowledged by client. | 10-8-25 Clayton reviewed post close exception and deems non-material/non-fatal to lending decision due to small shortage of $615.53 or .16 months and compensating factors: DSCR calculated at 1.7946/minimum is 1.0000 and 5 years at current address per application. Non-material exception remains. 10.13.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at current residence 5 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DSCR calculated at 1.7946/minimum is 1.0000. |
| 850011 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D A | CRDLGL100 | Legal document incorrect or incomplete | No | Settlement Statement not signed by Borrower. Please provide copy of signed settlement statement. | 10-9-25: Client uploaded settlement stated signed by borrower. | 10-9-25: Clayton reviewed settlement stated signed by borrower. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 700 is 42 points above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 73.171%; guidelines allow 75%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30x24 on all credit accounts. |
| 850578 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 682 is 2 points above minimum program requirement of 680.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is only using 8% of available revolving credit.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $63,556.57/6.44 PITIA which is > guideline minimum of 6 months PITIA. |
| 850580 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 69.77% LTV below guideline requirements of 70% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO of 732 exceeds the guideline program minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 30 months with 0x30 Rent payment history exceeds guidelines of 12 months. |
| 850581 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP155 | Application Missing | No | Missing application for B2. | 10-30-25 Client uploaded 1003. | 10-30-25 Clayton reviewed 1003 and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $539,415.09, 24.26 months. 12 months reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit score of 809 exceeds the guideline minimum of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has been at current residence 7 years. |
| 850581 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing a copy of the sale contract to verify the sale price and terms of the transaction. | 10-30-25 Client uploaded contract.10-31-25 Client uploaded addendum.11-4-25 Client uploaded addendum. | 10-30-25 Clayton reviewed contract which reflects sales price at xxxxxx. HUD reflects Sales price as xxxxxx. Provide fully executed addendum reflecting sales price at xxxxxx. Exception remains. 10-31-25 Clayton reviewed signed addendum reflecting sales price of xxxxxx. HUD reflects xxxxxx. Provide second addendum with sales price lowered to xxxxxx. Exception remains. 11-5-25 Clayton reviewed addendum with lower sales price of xxxxxx. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $539,415.09, 24.26 months. 12 months reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit score of 809 exceeds the guideline minimum of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has been at current residence 7 years. |
| 850582 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 10 years.Borrower has owned property since xxxxxx per fraud report with 76 months reported on first mortgage at 0 x 30/60/90 and 24 months on HELOC at 0 x 30/60/90.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 740 Qualifying fico. G/l min is 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65.05% is below the maximum allowable of 75%. |
| 850583 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $37,421.33, 10.84 months. 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is below the 85% max. |
| 850584 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of752 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below the maximum allowable of 85<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $2810.12 or 1.88 months of PITIA. 0 months required. |
| 850585 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 75%.<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $14,250 above the required $71,250 down payment for a total down payment of $85,500. |
| 850601 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 Credit score exceeds guidelines 660 minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $289,386.37 or 115 months PITIA. No reserves required for loan amount <$1,500,000 and LTV < 75%. |
| 850887 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: 8% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $61,044.19, 8.27 months. |
| 850931 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 793 is above the required 640.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allows 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $23,950.89, 13.32 months. 0 months required. |
| 850937 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of741 is above the required 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 4%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $136059.32 or 108.24 months of PITIA. 12 months required. |
| 850939 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 711. G/l min is 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $105,638 or 19.28 months piti reserves. 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 42.84% is below the maximum allowable of 85%. |
| 850940 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 713. G/l min is 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 102.21 months piti reserves |
| 850941 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 37.95 is below the maximum allowable of 70<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 19%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $121188.01 or 117.54 months of PITIA. 6 months required. |
| 851029 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | A | A | B | B | A | A B | A | A B | A | A | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | Subject property is a xxxxxx-unit dwelling with an ADU. Loan Exception Request noted in file. Clayton deems exception grade 2/B. FICO 732, LTV 14.29%, 45 months reserves. | 11.10.2025 - Acknowledged by client. | 11.10.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 30 years living at primary residence.Per Fraud report borrower has owned xxxxxx (xxxxxx) since xxxxxx, residing in xxxxxx with no lien.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 732 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 14.29% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 45.07 months of reserves in file. |
| 851117 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied their residence for 11 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Both borrowers have been self employed for 5 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $2558.78 X 6 = $15,352.68. Post close reserves $39,827.09 or 15.56 months PITIA |
| 851118 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good Credit History<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 159+ Months reporting<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 99+ Months reporting |
| 851119 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | C | A | A | A | C | A | A | A C | A | A C | A | A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Mission 2nd Appraisal completed xxxxxx with value of xxxxxx | 10.15.25 2nd appraisal provided,10.15.25 exception satisfied | 10.15.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $18,351.58 X 12 = $220,218.96. Post close reserves $452,438.59 or 24.65 months PITIA<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 803, minimum required by G/L is 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%, max allowed by G/L is 90% |
| 851121 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | C | A | A | A | A | A | C | A C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3590 | TRID - At least one LE was delivered on or after the date that a CD was delivered | No | Final LE issued xxxxxx. Initial CD issued xxxxxx. TRID regulations require 1 day between final LE and initial CD. | 10.17.25-Per client statement on - October 16th 2025, 9:00:07 am- LE issued xxxxxx with preview across has been removed from testing. Satisfied. | 10.17.25- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $55,298.29, or 15.08 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 756 exceeds guideline minimum of 700 for an xxxxxx purchase at 90% LTV.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since xxxxxx.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 45.03% is below guideline maximum of 50%. |
| 851121 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | C | A | A | A | A | A | C | A C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide evidence that borrower acknowledged receipt of the Final LE dated xxxxxx, 3 business days prior to consummation date of xxxxxx. | 10.17.25-Per client statement on - October 16th 2025, 9:00:07 am- LE issued xxxxxx with preview across has been removed from testing. Satisfied. | 10.17.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $55,298.29, or 15.08 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 756 exceeds guideline minimum of 700 for an xxxxxx purchase at 90% LTV.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registry borrower has been in business since xxxxxx.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 45.03% is below guideline maximum of 50%. |
| 851123 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | C | B D A | C | B | D | B | A | A | D | A | C | B D A | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance fail of $93.75 Due to Appraisal & Credit report fee increased on LE issued xxxxxx & HOA Cert increase on LE issued xxxxxx with no internal COC in file. Provide Internal COC reflecting valid reason for the fee changes within 3 business days of change - OR- PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking, within 60 days of consummation. | 10.21.25-Client provided COC issued xxxxxx for HOA increase disclosed on LE xxxxxx (Greater than 3 business days). No COC provided for increase of appraisal fee. Client also provided COC issued xxxxxx for increase of Credit report on xxxxxx (within 3 business days. Satisfied). Provide PCCD, LOX, Copy of tolerance check in the amount of $61.95, proof of delivery via 3rd party label within 60 days of consummation.10.28.25-Client provided COC for appraisal fee & new LE issued xxxxxx. Satisfied. | 10.28.25-Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 qualifying score exceeds guideline minimum of 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 192 months with 0x30 consumer credit payment history exceeds guidelines of 24 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 8+ years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $179,916.66 reserves in file or 22.65 months PITI > required guidelines |
| 851123 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | C | B D A | C | B | D | B | A | A | D | A | C | B D A | C | B D A | C | B | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo Certification / Questionnaire | 10.20.25 HOA questionnaire provided, please clear finding.10.30.25 HOA involved in pending litigation. 'Per xxxxxx guides. Litigation that involves personal injury or death is not considered minor litigation unless: the claim amount is reasonably anticipated or known, the insurance carrier has agreed to provide the defense, and the reasonably anticipated or known damages are covered by the HOAs insurance. 11.13.2025-Client's response: November 12th 2025, 12:57:14 pmLitigation case was dismissed on xxxxxx. Please clear finding.11.13.2025-Clayton's response: Received the case dismissal, exception satisfied. | 10.30.25 exception remains. 11.13.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 qualifying score exceeds guideline minimum of 620<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 192 months with 0x30 consumer credit payment history exceeds guidelines of 24 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary / current residence for 8+ years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $179,916.66 reserves in file or 22.65 months PITI > required guidelines |
| 851124 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrower DTI of 44.51% is below the minimum program requirements of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 790 > 130 points above guideline program minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 90% |
| 851126 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 51.26% is below guideline requirement of 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 753 exceeds guideline requirement of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 6 months PITIA - $30,865.08. Verified post close reserves are $58,211.22 or 11.32 months PITIA. |
| 851127 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide satisfactory payment history for xxxxxx | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $39,260.93, or 7.57 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: In residence 18 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65.97% is below guideline maximum of 80% for an xxxxxx cash out refinance with a 724 credit score |
| 851128 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A | Credit | Application | Waived B | CRDAPP5430 | xxxxxx Application Form is Outdated | No | Missing application for Co-borrower. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 706 exceeds guideline requirement of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 34.66% is below guideline requirement of 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are $40,265.16. Verified reserves plus excess funds of $57,660.12. |
| 851129 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 38.96% is below the minimum program requirements of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 757 > 97 points above guideline program minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Fired in error. cancel.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 7 years and 8 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job, 7 years and 8 months.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Fired in error. Cancel. |
| 851130 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | C | B | B | B | A | A | C | A C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, Clayton status is QM Rebuttable APOR due to Benchmark Date xxxxxx, loan has a test APR 7.874%, the Benchmark Rate was 6.22%; Variance 1.564%; max allowed is 1.5000%. | 10.22.25 Client response; We accept the determination on this and please clear the exception.10.22.25 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 10.22.25 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $192,894.99 or 43.01 months of PITI.Required PITI Reserves are $4,484.33 X 6 months = $26,905.98.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline requirement of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 817 exceeds guideline requirement of 660. |
| 851130 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | C | B | B | B | A | A | C | A C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Waived B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon Clayton review. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $192,894.99 or 43.01 months of PITI.Required PITI Reserves are $4,484.33 X 6 months = $26,905.98.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below guideline requirement of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 817 exceeds guideline requirement of 660. |
| 851131 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self employed for 32 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied their current primary for 24 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $2013.66 X 3 = $6040.98. Post close reserves $60,150.50 or 29.87 months PITIA |
| 851133 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds guidelines<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history exceeds guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI below guideline requirement |
| 851134 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide Lease Agreement for the property located at xxxxxx., with the supporting documents. Security deposit and first months rent. | 11.20.2025-Client's response: November 20th 2025, 1:49:32 pmProperty at xxxxxx is the borrower's departing primary residence. Per xxxxxx guides, allowable to use 1007 Market rents to offset payments. Please see attached 1007 and clear exception.11.20.2025-Clayton's response: Received the rent schedule for xxxxxx., exception is satisfied. | 11.20.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 784 > 124 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI of 49.44% is below the minimum program requirements of 50% up to 85% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 90% |
| 851134 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Provide the HO6 Walls In insurance. | 10.24.25 HOI received | 10.24.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 784 > 124 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI of 49.44% is below the minimum program requirements of 50% up to 85% LTV.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 90% |
| 851135 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $581,190.99, or 54.47 months. 6 months required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VOE borrower has been on job since xxxxxx.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has never been 1X30 with history from 9/1994. |
| 851136 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | D | A | C | A | A | A | D | A D C | D | A D C | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing proof of additional $4,666.67 used to qualify. | 10.21.2025-Client's response: October 16th 2025, 2:03:14 pmplease find the ATR and assets for income.10.21.2025-Clayton's response: Received the additional assets for the loan program, Asset Assist, exception is satisfied. | 10.21.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.56% is below guideline maximum of 90% for an xxxxxx purchase with a 760 credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $302,893.68, or 259.64 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Was in departure residence 17 years. |
| 851136 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | D | A | C | A | A | A | D | A D C | D | A D C | D | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Provide proof of xxxxxx IAO $93,473.24 used to qualify. | 10.21.2025-Client's response: October 16th 2025, 2:03:50 pmATR and assets used for income10.21.2025-Received the $93,473.24 from xxxxxx, exception is satisfied. | 10.21.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.56% is below guideline maximum of 90% for an xxxxxx purchase with a 760 credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $302,893.68, or 259.64 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Was in departure residence 17 years. |
| 851136 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D C | D | A D C | D | A | D | A | C | A | A | A | D | A D C | D | A D C | D | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide proof of additional income IAO $4,666.67 used to qualify. | 10.21.2025-Client's response: October 16th 2025, 2:03:14 pmplease find the ATR and assets for income.10.21.2025-Clayton's response: Received the additional assets for the loan program, Asset Assist, exception is satisfied. | 10.21.2025-Exception is satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.56% is below guideline maximum of 90% for an xxxxxx purchase with a 760 credit score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $302,893.68, or 259.64 months. 6 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Was in departure residence 17 years. |
| 851137 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | A | A | A | A | C | B C A | C | B C A | C | B | Compliance | Section 32 | Satisfied C B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Provide un-discounted, starting rate. | 10.17.25-Client provided un-discounted, starting rate. Satisfied. | 10.17.25- Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 6 years and 11 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 701 > 51 points above guideline program minimum of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI of 38.98% is below the minimum program requirements of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 90% |
| 851139 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B | C | B | A | A | A | A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance fail for $15.00. LE xxxxxx appraisal fee is $550.00 and credit report fee is $32.00. CD xxxxxx and final CD xxxxxx show appraisal fee is $800.00 and credit report fee is $47.00. No documentation provided disclosing increase in fees. Lender provided a credit for fees increasing legal limits of $250.00. There is a $15.00 balance due to borrower. Please provide either documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 10.24.25-Client provided COC, Satisfied. | 10.24.25-Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 66.33% is below guideline requirement of 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 770 exceeds guideline requirement of 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.54% is below guideline requirement of 50%. |
| 851140 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 23 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 814 credit score exceeds guideline minimum of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 50% LTV is below guideline maximum of 90%. |
| 851141 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | D | B | D | B | A | A | C | B D A | C | B D A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fail for $255.00. Initial LE xxxxxx shows appraisal fee of $950.00 and a 2nd appraisal fee of $950.00. Subsequent LE's and CD's show appraisal fee of $1205.00 and 2nd appraisal fee of $970.00. No documentation provided disclosing increase in fees. Please provide documentation or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation to cure. | 10.28.25-Client provided COCs, Satisfied. | 10.28.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 111 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 371+ Months reporting<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 35 years. |
| 851141 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | D | B | D | B | A | A | C | B D A | C | B D A | C | B | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing Bank Statements for xxxxxx to verify Balance of $1,040,134.79 | 10-28-25: Client explained that the xxxxxx xxxxxx for 8-31-25 shows this account used to transfer funds to xxxxxx. | 10-28-25: Clayton reviewed client explanation that the xxxxxx xxxxxx for 8-31-25 shows this account used to transfer funds to xxxxxx. Review of the bank statements confirms this; exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 111 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 371+ Months reporting<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 35 years. |
| 851141 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | C | B D A | C | B | D | B | D | B | A | A | C | B D A | C | B D A | C | B | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks for the mortgage payments to xxxxxx. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 111 Months Reserves<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 371+ Months reporting<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 35 years. |
| 851142 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | D | A | D | A | A | A | D | A D | D | A D | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Income verification does not meet guidelines | 10.10.25 please find the xxxxxx stmts.10.15.25 exception satisfied | 10.15.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 389 months of 0x30 consumer credit history per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9.8 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 138 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $12,149.97 X 6 = $72,899.82. Post CLs reserves $409,437.14 or 33.69 months PITIA<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%, max allowed by G/L is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 783, minimum required by G/L is 660 |
| 851142 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | D | A | D | A | A | A | D | A D | D | A D | D | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing xxxxxx Stmts March-June from account xxxxxx used for Asset Assist | 10.10.25 please find the xxxxxx stmts.10.15.25 exception satisfied | 10.15.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 389 months of 0x30 consumer credit history per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9.8 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 138 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $12,149.97 X 6 = $72,899.82. Post CLs reserves $409,437.14 or 33.69 months PITIA<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%, max allowed by G/L is 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO is 783, minimum required by G/L is 660 |
| 851143 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | Missing flood cert | 10.28.25 lfood cert for the subject property provided. Please clear finding10.28.25 exception satisfied | 10.28.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self employed for 21.10 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 23.48%, max allowed by G/L is 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $4957.25 X 6 = $29,743.50. Post close reserves $99,115.15 or 19.99 months PITIA |
| 851144 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | C | B | B | B | A | A | C | A C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe APOR, Clayton status is QM Rebuttable APOR due to Benchmark Date xxxxxx, loan has a test APR 8.56%, the Benchmark Rate was 6.89%; Variance 1.678; max allowed is 1.5000%. | 10.01.25 Client response; We accept the determination on this and please clear the exception.10.01.25 Clayton memo; exception satisfied; However, a level 2 exception will remain on file as Lender changed their status determination based upon Claytons review. | 10.01.25 Clayton memo; exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the subject property for 7 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for 7.9 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%, max allowed by G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $5121..33 X 6 = $30,727.98. Post close reserves $192,286.56 or 37.54 months PITIA |
| 851144 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C B | C | A C B | C | A | C | B | B | B | A | A | C | A C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Waived B | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | Client agreed to QM rebuttable APOR status based upon Clayton review. | 11.20.2025 - Acknowledged by client. | 11.20.2025 - Non-material exception remains. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the subject property for 7 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for 7.9 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%, max allowed by G/L is 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $5121..33 X 6 = $30,727.98. Post close reserves $192,286.56 or 37.54 months PITIA |
| 851145 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide evidence to support the exclusion of the xxxxxx FCU monthly payment opened in June 2025. Additional conditions may apply. | 10.20.25 xxxxxx was paid off, please find the cr supp10.22.25 exception satisfied | 10.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $8,061.08 or 4.64 months PITI reserves exceed required reserves of $0.00.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 42.15 is below guideline requirement max of 80.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 46.89 is below guideline requirement max of 50. |
| 851146 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide Gift Letter from xxxxxx in the amount of $15,000. | 10.15.25 Copy of gift letter provided, 10.15.25 exception satisfied | 10.15.25 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 6 years and 6 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 723 >123 points above guideline program minimum of 600.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been at current employment for the past 6 years and 6 months. |
| 851147 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | C | A | B | A | A | A | C | A C B | C | A C B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Client declared QM Safe Harbor APOR; Clayton status is Non-QM: Lender documented all ATR UW factors dues to total charges of 4.989% exceeds fees test Threshold. | 10.21.2025-Client's response: October 20th 2025, 7:25:40 pmagree please clear.10.21.2025-Clayton's response: Client agreed with the findings; the Non-QM status. | 10.21.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 785 > 185 points above guideline program minimum of 600.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers DTI of 43.30% is below the minimum program requirements of 55%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.22% LTV for Subject Property is below guideline max LTV of 90% |
| 851147 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | C | A | B | A | A | A | C | A C B | C | A C B | C | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied B A | CRDATRQM5170 | TILA - ATR/QM: Lender changed their status determination based upon Clayton's review | No | (No Data) | 10.21.2025-Client's response: October 20th 2025, 7:25:40 pmagree please clear.10.21.2025-Clayton's response: Client agreed with the findings; the Non-QM status. | (No Data) | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 785 > 185 points above guideline program minimum of 600.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers DTI of 43.30% is below the minimum program requirements of 55%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.22% LTV for Subject Property is below guideline max LTV of 90% |
| 851148 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | D | B | D | B | A | A | A | A D B | A | A D B | A | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months of canceled checks for the co-borrower rent payments to private landlord xxxxxx. File contains only 5 months of checks. Clayton deems this non-material. Compensating factors are 19 months in reserves, LTV 36.76%, Co-Borrower has 15 years with employer. | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 851148 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | D | B | D | B | A | A | A | A D B | A | A D B | A | A | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | B2 Verbal verification of employment missing- xxxxxx and xxxxxx | 10.27.2025-Client's response: October 22nd 2025, 4:26:14 pmvoe for review.10.27.2025-Clayton's response: Received both VOE's, exception satisfied. | 10.27.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 851148 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | A | A D B | A | A | D | B | D | B | A | A | A | A D B | A | A D B | A | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing YTD paystub for xxxxxx and documentation supporting income earned in 2023 and 2024- xxxxxx and xxxxxx (Supporting monthly income average of $1932.25 and $662.65) | 10.27.2025-Client's response: October 22nd 2025, 4:34:47 pmplease find the paystub10.27.2025-Clayton's response: Received the paystubs from both employers; income is supported. Exception satisfied. | 10.27.2025-Exception verified. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 851150 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55%, max allowed by G/L is 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 35.02%, max allowed by G/L is 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves LTV 75% - None Required. Post close reserves $47,138.43 or 28.16 months PITIA |
| 851154 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | B D A | D | B | D | B | D | A | A | A | D | B D A | D | B D A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing Required Income Documentation | 10.21.2025-Client's response: October 15th 2025, 1:33:40 pmCopy of borrower 2's paystub with year to date provided. Please clear finding10.21.2025-Clayton's response: Received the paystub with YTD earnings; exception is satisfied. | 10.21.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the subject property for 20 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self employed for 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.42%,max allowed by G/L is 80% |
| 851154 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | B D A | D | B | D | B | D | A | A | A | D | B D A | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fee of $4800.00 Lender credit removed after Lock without Change of Circumstance. Please provide reason for decrease in Lender Credit. | 10.16.25-Client provided COC. Satisfied. | 10.16.25-Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the subject property for 20 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self employed for 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.42%,max allowed by G/L is 80% |
| 851154 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | B D A | D | B | D | B | D | A | A | A | D | B D A | D | B D A | D | B | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | Missing current pay stub reflecting year-to-date earnings for Co-borrower | 10.21.2025-Client's response: October 15th 2025, 1:33:40 pmCopy of borrower 2's paystub with year to date provided. Please clear finding10.21.2025-Clayton's response: Received the paystub with YTD earnings; exception is satisfied. | 10.21.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the subject property for 20 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been self employed for 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 74.42%,max allowed by G/L is 80% |
| 851155 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C | C | A C | C | A | C | A | C | A | A | A | C | A C | C | A C | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied C A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Missing the wire receipt from the donors account into the borrowers account. OR a copy of the check with a certified escrow deposit or wire receipt showing funds were from the donors account is required. | Client's response: October 16th 2025, 9:09:59 amWire request being issued through xxxxxx account and proof of receipt provided. Please clear finding.Clayton's response: Received the wire confirmation, exception satisfied. | 10.16.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds the minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below the maximum allowable per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 851155 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Rebuttable Presumption (APOR) C | C | A C | C | A | C | A | C | A | A | A | C | A C | C | A C | C | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing the wire receipt from the donors account into the borrowers account. OR a copy of the check with a certified escrow deposit or wire receipt showing funds were from the donors account is required. | Client's response: October 16th 2025, 9:09:59 amWire request being issued through xxxxxx account and proof of receipt provided. Please clear finding.Clayton's response: Received the wire confirmation, exception satisfied. | 10.16.2025-Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score exceeds the minimum required per lender guidelines<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is below the maximum allowable per lender guidelines<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines |
| 851156 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $545,149.83, or 270.94 months. Reserves not required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 38.49% is below guideline maximum of 80% for an xxxxxx purchase with an 816 credit score.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for 22 years. |
| 851157 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | A | A | A | A | C | B C A | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3646 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Ten percent tolerance fees of $19.00 for closing protection letter added without Change of Circumstance. Lender credited $4.00 for Closing costs above legal limit; $15.00 additional refund required. Provide PCCD, LOX, Copy of tolerance check in amount of $15.00, proof of delivery via 3rd party tracking within 60 days of consummation. | 11.3.25-Client provided PCCD issued xxxxxx , LOX, check and Fed ex label with $15 refund; total cured is $19.00. | 11.3.2025: exception satisfied | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per state registration borrower has been in business since xxxxxx<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $23,440.41, or 8.34 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 705 exceeds guideline minimum of 700 for an xxxxxx purchase at 80% LTV. |
| 851158 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | C | B | C | B | A | A | C | A C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Initial CD in file is dated xxxxxx. Final CD in file is dated xxxxxx and signed xxxxxx date of loan consummation, earliest closing date based on mailbox rule is xxxxxx. Please provide receipt confirmation for CD dated xxxxxx. | 10.22.25-Client provided CD issued xxxxxx. e-signed xxxxxx. Satisfied. | 10.22.25- Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 47.14 is below guideline requirement max of 50.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 700 exceeds guidelines. |
| 851158 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | C | B | C | B | A | A | C | A C B | C | A C B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD in file is dated xxxxxx. Final CD in file is dated xxxxxx and signed xxxxxx date of loan consummation, earliest closing date based on mailbox rule is xxxxxx. Please provide receipt confirmation for CD dated xxxxxx. | 10.22.25-Client provided CD issued xxxxxx. e-signed xxxxxx. Satisfied. | 10.22.25- Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 47.14 is below guideline requirement max of 50.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 700 exceeds guidelines. |
| 851158 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | A C B | C | A | C | B | C | B | A | A | C | A C B | C | A C B | C | A | Credit | Assets | Waived C B | CRDAST115 | Cash reserves do not meet guidelines | No | Verified reserves of $32,010.03 or 5.16 months PITI reserves are short of required reserves of ($6,198.62 x 6 = $37,191.72).Clayton deems exception non material = grade 2/B. FICO 700 / DTI 47.14 | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 47.14 is below guideline requirement max of 50.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 700 exceeds guidelines. |
| 851159 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | C | A | C | B C A | C | B C A | C | B | Compliance | Section 32 | Satisfied C B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Provide un-discounted starting rate & xxxxxx or xxxxxx a or near closing. Adjusted charges are $6,187.68. Maximum charges allowed are $5,588.47. Maximum charges % is 5.00%. The total charges % is 5.536%, exceeding by 0.536%. The fees included in the calculation are: Origination fee for $3,258.70, Underwriting fee for $1,595, Administrative fee for $149, Discount fee for $1,184.98. | 10.22.25-Client provided un-discounted starting rate, Cured | 10.22.25-Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.62%, max allowed by G/L is 55%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $1256.90 X 3 = $7541.40. Post close reserves $63,100.22 or 50.20 months PITIA<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has OT income in the amount of $569 not used to qualify |
| 851159 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | C | A | C | B C A | C | B C A | C | B | Credit | Terms/Guidelines | Waived B | CRDTER5518 | Loan fails xxxxxx Minimum Equity requirement | No | Minimum equity of $36,402 is less than G/L requirement of $40,000 | 11.13.2025 - Acknowledged by client. | 11.13.2025 - Non-material exception remains | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.62%, max allowed by G/L is 55%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $1256.90 X 3 = $7541.40. Post close reserves $63,100.22 or 50.20 months PITIA<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has OT income in the amount of $569 not used to qualify |
| 851159 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | C | B | B | B | C | A | C | B C A | C | B C A | C | B | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Missing Condo Questionnaire | 10.21.25 HOA questionnaire provided, please clear finding.10.22.25 exception satisfied | 10.22.25 exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 33.62%, max allowed by G/L is 55%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required $1256.90 X 3 = $7541.40. Post close reserves $63,100.22 or 50.20 months PITIA<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has OT income in the amount of $569 not used to qualify |
| 851213 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves are $1,071,692.10, or 278.76 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is below guideline maximum of 80% for a Full Doc purchase with a 753 credit score.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 30.59% is below guideline maximum of 50%. |
| 851232 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 751 qualifying score exceeds guideline minimum of 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $49,486.39 reserves in file or 14.56 months PITI > required guidelines<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 132 months with 0x30 consumer credit payment history exceeds guidelines of 24 months. |
| 851235 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 39.75% is below guideline requirement of 43%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 737 exceeds guideline requirement of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are $7900.89; verified post close assets are $323,590.87. |
| 851338 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 772 is above the required 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $1,019,672.00, 127.85 months. 6 months required. |
| 851339 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 777 is 77 points above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $233,642.35/80.87 PITIA which is > guideline minimum of 6 months PITIA.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x14 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 851340 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 685 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55.56%; guidelines allow 70% LTV.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x14 months mortgage payment history exceeding guideline requirement of 1x30x12.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 7.37 months of reserves in file. |
| 851341 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3312 | One or more Applications in file are incomplete | No | Missing signed application, no application found in file | 10-27-25 Client uploaded 1003. | 10-27-25 Clayton reviewed 1003 and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 690 is 10 points above minimum program requirement of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $74,551.41/30.75 PITIA which is > guideline minimum of 6 months PITIA. |
| 851341 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing signed application, no application found in file | 10-27-25 Client uploaded 1003. | 10-27-25 Clayton reviewed 1003 and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 690 is 10 points above minimum program requirement of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $74,551.41/30.75 PITIA which is > guideline minimum of 6 months PITIA. |
| 851345 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 736 exceeds the guideline minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ash reserves = $259,334.66, 112.35 months. 6 months reserves are required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: B2 has 50 months on-time payment history which exceeds the required 24 month review requirement. |
| 851628 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current residence for 7 years.Borrower has owned primary residence since xxxxxx per fraud report with current mortgage verified for 29 months & 22 months on HELOC at 0x30/60/90.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 FICO score is above the 700 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 4 years of mortgage history is above the required 1 year. |
| 851656 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A C | A | A C | A | A | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing Master Homeowners insurance policy for xxxxxx at xxxxxx xxxxxx reflecting building coverage for xxxxxx. Hazard policy provided is for Walls in coverage only at xxxxxx. | 11-18-25 Client uploaded master policy.11-24-25 Client uploaded master policy update. | 11-19-25 Clayton reviewed master policy which reflects Location of premises as xxxxxx. Subject property address is xxxxxx. Provide updated master policy for the subject property address. Exception remains. 11-25-25 Clayton reviewed policy which reflects the correct address. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 mid-score per CBR. 720 minimum for xxxxxx.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4.9 years living at primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6.3 years employed with xxxxxx.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years working in the xxxxxx.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 67.25% CLTV per review; 80% CLTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 60 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 166 months of 0x30 consumer credit history per CBR. |
| 851808 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | C | A C | C | A | C | A | A | A | A | A | C | A C | C | A C | C | A | Compliance | Right of Rescission | Satisfied C A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Disbursement date is before end of statutory rescission period | 12/3/25 Client provided final HUD showing xxxxxx as disbursement date. | 12/3/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 709 is greater than guideline minimum 680.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x98 positive mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets $340,304.78 or 38.77 months PITIA meeting guideline requirement for loans over $1M ($8,723.72 x 4 = $34,894.88)<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 10+ years. |
| 851827 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $20,270.67 or 9.50 months PITIA. No reserves are required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 710 is above 640 |
| 851858 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$68,728.93 or 11.9 months PITIA. No reserves are required. |
| 851951 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $39,645.38, 13.28 months. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 FICO score is above the required 740.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no late payments on credit report. |
| 851953 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 745 exceeds the minimum of 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 20% revolving credit utilized<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 82 months reviewed for primary residence mtg, exceeds the required 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $75017.62, 56.06 months reserves, 6 months required |
| 851954 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $183,108.22, 34.93 months. 6 months reserves are required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the guideline maximum of 75%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 3 years. |
| 851955 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 75%.<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $43,040 above the required $215,199 down payment for a total down payment of $258,239.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $299,529.15, 57.08 months. 6 months required. |
| 851957 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $95,690.27, 47.65 months reserves, 0 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80% is below the maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 743 exceeds the minimum of 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 12% revolving credit utilized |
| 851958 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | D | B | B | B | A | A | D | A D B | D | A D B | D | A | Compliance | Documentation | Satisfied D A | CMPDOC3280 | One or more Applications in file are incomplete | No | Missing page 2 of the final 1003 supporting borrowers' SSN, current residence, birthdates and date of signatures | 10-23-25 Client uploaded 1003. | 10-24-25 Clayton reviewed 1003 and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below the maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 775 exceeds the minimum of 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $442,605.73, 115.61 months reserves, 0 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 8% of revolving credit utilized |
| 851958 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D B | D | A D B | D | A | D | B | B | B | A | A | D | A D B | D | A D B | D | A | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 month payment history for primary residence. xxxxxx mortgage billing statement supports mortgage is secured to xxxxxx. | 10.27.2025 - Acknowledged by client. | 10.27.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 70% is below the maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 775 exceeds the minimum of 640<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $442,605.73, 115.61 months reserves, 0 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 8% of revolving credit utilized |
| 851959 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of717 is above the required 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 18.45% is below the maximum allowable of 75<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $512,744.42 or 55.98 months of PITIA. 6 months required. |
| 851960 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 60%; guidelines allows 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 680 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $98,850.94, 40.10 months. 6 months required. |
| 851961 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of787 is above the required 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 5%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $116163.49 or 42.96 months of PITIA. 6 months required. |
| 851962 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt C | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Subject property is a short-term rental. File did not contain proof of STR monthly income, missing net income worksheet. Appraisal did not list market rents. Lender used $11,934/month for DSCR calculation with no proof in file of how that income was calculated. | 11-7-25 Client replied: uploaded STR Income Analysis from the appraiser supporting rental income used to qualify. | 11-10-25 Clayton reviewed short term rental analysis dated xxxxxx which supports $11,934 per month. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 39 years living at primary residence. Borrower has owned primary for 39 years per application with current mortgage reported for 57 months at 0x 30/60/90.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 qualifying credit score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 48% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 56.6 months of reserves in file.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 consumer credit history since xxxxxx on CBR. |
| 851963 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence 6 years. Borrower has owned primary residence since xxxxxx per property report and the mortgage is in the spouses name only with 12 months payment history in file to support 0x30/60/90.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 787 exceeds the guideline minimum of 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $167,461.09, 65.64 months. 3 months reserves are required. |
| 851966 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 139 months of 0x30 consumer credit history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 779. G/l mi is 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 6% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 14.57 months piti reserves |
| 851967 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is below the guideline maximum of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 703 exceeds the guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $93,202.07, 24.89 months. No reserves are required. |
| 851968 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 735 is above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x24 months mortgage payment history exceeding guideline requirement on 1x30x12. |
| 851969 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 FICO score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is below the 85% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 5.83 months reserves is above the required 0. |
| 851970 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | D | A | C | A | D | A | N/A | N/A D C | N/A | N/A D C | N/A | N/A | Credit | Insurance | Satisfied C A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | The HOA master policy expired on xxxxxx which is prior to the loan closing xxxxxx. Provide update master policy. | 11-4-25 Client uploaded updated policy | 11-5-25 Clayton reviewed policy and updated data. Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 FICO score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is above the 85% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 4.4 months reserves is above the required 0. |
| 851970 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | D | A | C | A | D | A | N/A | N/A D C | N/A | N/A D C | N/A | N/A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR4775 | Missing Market Rent Analysis | No | Missing Short Term Rental from appraiser. Lender provided appraisal with file which appears to be corrupt as STR Form pages 1 and 2 and STR analysis pages 1 and 2 are blank. Provide missing pages that support short term rental income of $16,500 per month with 80% ($13200) used for DSCR calculation. | 11-4-25 Client replied: uploaded appraisal with STR pages | 11-5-25 Clayton reviewed Short term rental from appraiser which includes a comment: Gross rents reduced by 20% to reflect extraordinary cost associated with operating short-term rental property compared to non-short-term property. Therefore short term rent at $13,200 already includes the 20% reduction. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 FICO score is above the 660 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is above the 85% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 4.4 months reserves is above the required 0. |
| 851973 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score of 720 exceeds the guideline minimum of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 82 months housing history with no late payments.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 3 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $83.598.43, 8.28 months; 3 months reserves are required |
| 851974 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of672 is above the required 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of221 months exceeds the required 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $5935.63 or 1.88 months of PITIA. 0 months required. |
| 852287 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH148 | Credit report stale dated at closing | No | The undisclosed debt report dated 10 days prior to the note date was not in the loan file. | Document provided for cure. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 20 months reserves after closing.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has 24 months no lates. |
| 852287 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 50% | No | Recalculated DTI is 51.06% and exceeds guides. See DTI worksheet | Received ADU 12 STR look back. Addtl income reduced ratios within guides. | Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has 20 months reserves after closing.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has 24 months no lates. |
| 852347 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers LTV 61.11% is below guideline maximum 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 762 is greater than guideline minimum 660.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x55 months positive mortgage payment history.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x84 months positive consumer payment history. |
| 852464 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of669 is above the required 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of40 months exceeds the required 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $13566.95 or 6.1 months of PITIA. 0 months required. |
| 852466 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing satisfactory evidence of short term rental income of $7,298 per month to support the use of $5,838 per month to calculate DSCR. | 11-12-25 Client replied: please see the upl str | 11-13-25 Clayton reviewed STR rent schedule reflecting annual amount of $88,000/12x80% = $5,866(r). DSCR updated to 1.2771 ($5,866/$4,593.04). Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 783 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $42,218.41, 9.19 months. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 94 months exceeds the required 12 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 3.97%. |
| 852466 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Property Valuations | Property | Satisfied C A | PRVAPROP177 | Property Issues Indicated | No | Missing most recent Condominium xxxxxx inspection (SIRS - Structural Integrity Reserve Study). File contained a final completion letter dated xxxxxx for xxxxxx and xxxxxx, A structural recertification letter dated xxxxxx reflecting no recommended xxxxxx recertification letter reflecting inspection commenced xxxxxx and inspection completed xxxxxx. | 11-12-25 Client replied: please see the upl to sirs | 11-13-25 Clayton reviewed SIRS dated xxxxxx which reflects no requirements in 2025, 2026 or 2027. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 783 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $42,218.41, 9.19 months. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 94 months exceeds the required 12 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 3.97%. |
| 852466 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | D | A | D | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Condo questionnaire missing answer to part 2 of question 14 concerning property inspection for xxxxxx. | 11-12-25 Client replied: please see the upl sirs | 11-13-25 Clayton reviewed SIRS. Report provides the answer to question. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 783 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $42,218.41, 9.19 months. 6 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 94 months exceeds the required 12 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 3.97%. |
| 852467 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Application | Satisfied D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Application is missing citizenship declaration. | 11-14-25 Client uploaded 1003. | 11-14-25 Clayton reviewed application and update data. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55.71%. G/l max is 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 718. G/l min is 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $55,425.28 or 16.18 months piti reserves.0 months required. |
| 852468 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is below the 80% max based on declining market.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 780 FICO score is above the 660 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $372,445.47, 52.78 months. 0 months required. |
| 852471 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt B | A | A B | A | A | B | B | A | A | B | B | A | A B | A | A B | A | A | Property Valuations | Property | Waived B | PRVAPROP177 | Property Issues Indicated | No | HOA/xxxxxx has potential xxxxxx of $325,000 in xxxxxx project and exceeds 25% of the reserves $684,000 provided. Loan Exception Request in file. Clayton deems non-material/non-fatal to lending decision due to claim being submitted to liability insurance and compensating factors: credit score 737/700 minimum, 24.85 months cash reserves/0 required, 18 years at current residence and 49 months prior mortgage history/12 required. | 11.24.2025 - Acknowledged by client. | 11.24.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 737 mid-score per CBR. 700 minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 49 months of 0x30 prior mortgage history on CBR. 12 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $46,931.32 = 24.85 months of reserves. 0 required. |
| 852530 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 682 mid-score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 58.53% LTV per review; 65% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 204 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 43.06 months of reserves in file. |
| 852540 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of780 is above the required 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 51.61 is below the maximum allowable of 70<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $387009.72 or 123.37 months of PITIA. 6 months required. |
| 852911 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Missing Condo Master Policy in effect at time of Loan Disbursement xxxxxx. Policy in file is dated after Disbursement effective xxxxxx - xxxxxx. | 11/21/25 client provided current and renewal policy and invoice. | 11/21/2025 Exception satisfied. | Not Applicable | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x62 months positive mortgage payment history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 707 exceeds guideline minimum 680. |
| 852911 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A | Credit | Insurance | Satisfied D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing borrowers HO6 Policy with invoice to xxxxxx in the amount of xxxxxx as reflected on Final CD. | 11/21/25 client provided current policy and invoice. | 11/21/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x62 months positive mortgage payment history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 707 exceeds guideline minimum 680. |
| 852970 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 715 Credit score exceeds guidelines minimum of 660 per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $61,709.23 or 27.67 months PITIA. No reserves required for loan amount < $1million. |
| 853961 | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers LTV 80% is greater than guideline maximum 90%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 793 is greater than guideline minimum 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 39.27% is below guideline maximum 49.99% |
| 854932 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers LTV 78.99% is below guideline maximum 85% for xxxxxx, Bank statement program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 757 is greater than guideline minimum 680.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x99 positive mortgage payment history meeting 12 month guideline requirement.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x143 months positive consumer payment history meeting 12 month guideline requirement.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 13.99% is less than guideline maximum 49.99%. |
| 854941 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for 13 years and 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 784 exceeds guideline minimum 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 37.64% is less than guideline maximum 49.99%. |
| 855044 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower's LTV 60% is less than guideline maximum 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 811 is greater than guideline minimum 680<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x 230 positive consumer payment history.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x49 months positive mortgage payment history.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 31.71% is less than guideline maximum 49.99%. |
| 855832 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 771 is greater than guideline minimum 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI 41.40% is below guideline maximum 49.99%<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x91 months positive consumer payment history. |
| 856113 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) D | D | A D | D | A | D | A | A | A | A | A | D | A D | D | A D | D | A | Compliance | Right of Rescission | Satisfied B A | CMPROR2043 | Cannot determine if funding date is after rescission period | No | Missing Right of Recession. | 12/5/25 - Lender provided a copy of the missing ROR | 12/5/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 18 years. Subject property is primary residence, excellent payment history, 0x30x34<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 Credit score exceeds guidelines of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $22,125.45 or 10.69 months PITIA exceeds guideline 3 months x $2,069.24 = $6,207.72. |
| 856113 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) D | D | A D | D | A | D | A | A | A | A | A | D | A D | D | A D | D | A | Compliance | Right of Rescission | Satisfied D A | CMPROR5345 | ROR - Missing or Incomplete Right of Rescission form | No | Missing Right of Rescission. | 12/4/25 Client provided ROR. | 12/4/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 18 years. Subject property is primary residence, excellent payment history, 0x30x34<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 Credit score exceeds guidelines of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $22,125.45 or 10.69 months PITIA exceeds guideline 3 months x $2,069.24 = $6,207.72. |
| 856113 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) D | D | A D | D | A | D | A | A | A | A | A | D | A D | D | A D | D | A | Compliance | xxxxxx Home Equity | Satisfied C A | CMPTXHE119 | xxxxxx Equity - Affidavit of Fair Market Value not signed by lender | No | xxxxxx FMV disclosure not signed by Lender. | 12/5/25 - Lender provided a copy of the executed document | 12/5/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 18 years. Subject property is primary residence, excellent payment history, 0x30x34<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 Credit score exceeds guidelines of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $22,125.45 or 10.69 months PITIA exceeds guideline 3 months x $2,069.24 = $6,207.72. |
| 856113 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) D | D | A D | D | A | D | A | A | A | A | A | D | A D | D | A D | D | A | Compliance | xxxxxx Home Equity | Satisfied C A | CMPTXHE327 | xxxxxx Equity - Owner and Spouse not provided 3 calendar day ROR period | No | Missing Right of Recession. | 12/5/25 - Lender provided a copy of the ROR | 12/5/25 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 18 years. Subject property is primary residence, excellent payment history, 0x30x34<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 Credit score exceeds guidelines of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $22,125.45 or 10.69 months PITIA exceeds guideline 3 months x $2,069.24 = $6,207.72. |
| 856115 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) D | D | A D | D | A | D | A | A | A | A | A | D | A D | D | A D | D | A | Compliance | xxxxxx Home Equity | Satisfied D A | CMPTXHE117 | xxxxxx Equity - Missing Affidavit of Fair Market Value | No | No FMV form in loan documents | 12/8/25 - Lender provided a copy of the missing FMV loan document. | 12/8/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$65,735.31 or 24 months PITIA. Required PITIA reserves are 3 x $2,707.27 = $8,121.81<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50% is below maximum 80% required by guideline<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 760 is above guideline minimum 660<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 15 years at current residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 14 years in profession |
| 856116 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 8+ years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $79,533.72 or 18.61 months PITIA exceeds guideline 3 months x $4, 2727.89 = $12,818.67 required reserves. |
| 856118 | xxxxxx | xxxxxx | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$242,028.34 or 35.40 months PITIA. Required PITIA reserves are 3 x $6,836.30 = $20,508.90<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.66% is below DTI 43%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50.61% is below LTV 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 778 is above 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 23 years at current job. |
| 856119 | xxxxxx | xxxxxx | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $15,906.61 or 6.03 months PITIA exceed guideline 3 months $2,639.37 = $9,451.61 required. |
| 856121 | xxxxxx | xxxxxx | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) C | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Guideline asks for 30 days verification of asset. Statement for xxxxxx acct#s ending with 6333 and 8521 is from 09/23/2025 to 09/30/2025 is less than 30 days. | 12/5/25 - Lender provided additional bank statements covering more than 30 days. | 12/5/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $585,477.71 or 82 months PITI. Required PITI reserves are 3 x $7,093.08 = $21,279.24<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.20% is below DTI 45%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 809 is above credit score 700 |
| 856122 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$85,491.82 or 18.67 months PITIA. Required PITIA reserves are 3 x $4,577.09 = $13,731.27<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.31% is below DTI 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 702 is above credit score 660<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 24 yeas in profession |
| 856123 | xxxxxx | xxxxxx | QM: Rebuttable Presumption | QM: Rebuttable Presumption (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$67,189.06 or 16.17 months PITIA. Required PITIA reserves are 6 x $4,154.92 = $24,917.52<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 12 years at current residence<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 18 years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 797 is above minimum score of 720 |
| 856125 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) D | C | A D | C | A | D | A | D | A | A | A | C | A D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of $202.75 due to increase of Broker fee from $5906 to $6108.75 fee added/increased with no/invalid internal COC in file. Provide Internal COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via shipping method including tracking information within 60 days of discovery. | 12/8/25 - Lender provided a copy of the missing COC changing the loan amount resulting to a change in fees. | 12/8/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 788 is greater than guideline minimum 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 24.30 months PITIA above 3 month guideline minimum. |
| 856125 | xxxxxx | xxxxxx | QM: Safe Harbor | QM: Safe Harbor (APOR) D | C | A D | C | A | D | A | D | A | A | A | C | A D | C | A D | C | A | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing 12 month Bank Statement worksheet listing Total Deposits for each month with total deposits excluded. Worksheet should have total at the bottom. | 12-10-2025- Lender provided all documentation to support income calculation. Exception satisfied. | 12-10-2025- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 788 is greater than guideline minimum 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 24.30 months PITIA above 3 month guideline minimum. |

---

## Exhibit 99.37

**EXHIBIT 99.37**

**clayton loan level tape compare upload**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2026-2 |
| **Start - End Dates:** | 9/18/2025 - 12/17/2025 |
| **Deal Loan Count:** | 137 |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 846659 | (No Data) | Credit Report Date | 08/04/2025 | 10/10/2025 |
| 846659 | (No Data) | Total Cash Out | 22339.28 | 17539.74 |
| 847562 | (No Data) | Credit Report Date | 10/17/2025 | 10/16/2025 |
| 847562 | (No Data) | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 847565 | (No Data) | Total Cash Out | 117337.06 | 115342.06 |
| 847628 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 847799 | (No Data) | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 847802 | xxxxxx | Property Type | Low Rise Condo (1-4) | Condotel |
| 847803 | xxxxxx | Borrower DSCR Percent | 2.0544 | 1.0517 |
| 847803 | xxxxxx | Cash Reserves | 152776.00 | 38439.40 |
| 847803 | xxxxxx | Combined LTV | 64.86 | 69.99 |
| 847803 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 847803 | xxxxxx | Months Reserves | 7.00 | 6.74 |
| 847803 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 847803 | xxxxxx | Total Cash Out | 114946.50 | 0.00 |
| 848438 | xxxxxx | Borrower DSCR Percent | 2.3277 | 1.8622 |
| 848438 | xxxxxx | Cash Reserves | 255109.75 | 166685.31 |
| 848438 | xxxxxx | Months Reserves | 62.00 | 40.31 |
| 848438 | xxxxxx | Property Type | Low Rise Condo (1-4) | Condotel |
| 848438 | xxxxxx | Total Cash Out | (100.00) | 0.00 |
| 848439 | (No Data) | Cash Reserves | 286605.30 | 204243.90 |
| 848439 | (No Data) | Combined LTV | 72.88 | 75.00 |
| 848439 | (No Data) | Documentation Type | Asset Depletion | Alt Doc/Bank Statements |
| 848439 | (No Data) | Months Reserves | 122.00 | 86.59 |
| 848439 | (No Data) | Total Cash Out | 79623.59 | 0.00 |
| 848444 | (No Data) | Borrower DSCR Percent | 1.8338 | 1.4671 |
| 848444 | (No Data) | Cash Reserves | 122709.46 | 94035.50 |
| 848444 | (No Data) | Months Reserves | 88.00 | 40.10 |
| 848444 | (No Data) | Total Cash Out | 82865.02 | 0.00 |
| 848808 | (No Data) | Cash Reserves | 229132.00 | 132482.50 |
| 848808 | (No Data) | Combined LTV | 26.32 | 53.57 |
| 848808 | (No Data) | Months Reserves | 146.00 | 55.34 |
| 848808 | (No Data) | Property Type | Low Rise Condo (1-4) | Mid Rise Condo (5-8) |
| 848808 | (No Data) | Total Cash Out | 119771.96 | 0.00 |
| 848813 | (No Data) | Cash Reserves | 18485.15 | 5637.53 |
| 848813 | (No Data) | Combined LTV | 66.89 | 70.00 |
| 848813 | (No Data) | Months Reserves | 82.00 | 1.53 |
| 848813 | (No Data) | Total Cash Out | 212271.81 | 0.00 |
| 848815 | xxxxxx | Cash Reserves | 268810.53 | 19044.62 |
| 848815 | xxxxxx | Months Reserves | 131.00 | 9.24 |
| 848815 | xxxxxx | Total Cash Out | (1384.30) | 0.00 |
| 849085 | (No Data) | Borrower 1 Self Employed Flag | Yes | No |
| 849196 | xxxxxx | Cash Reserves | 165077.63 | 42613.75 |
| 849196 | xxxxxx | Combined LTV | 76.49 | 80.00 |
| 849196 | xxxxxx | Months Reserves | 26.00 | 13.79 |
| 849196 | xxxxxx | Total Cash Out | 85997.00 | 0.00 |
| 849197 | xxxxxx | Cash Reserves | 215693.16 | 17761.47 |
| 849197 | xxxxxx | Months Reserves | 11.00 | 10.27 |
| 849197 | xxxxxx | Total Cash Out | 196121.70 | 0.00 |
| 849199 | xxxxxx | Cash Reserves | 224562.56 | 89043.01 |
| 849199 | xxxxxx | Combined LTV | 71.43 | 75.00 |
| 849199 | xxxxxx | Months Reserves | 68.00 | 26.68 |
| 849199 | xxxxxx | Total Cash Out | (827.34) | 0.00 |
| 849201 | (No Data) | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 849692 | (No Data) | Cash Reserves | 494842.73 | 151766.72 |
| 849692 | (No Data) | Months Reserves | 61.00 | 10.95 |
| 849692 | (No Data) | Next Payment Change Date | xxxxxx | xxxxxx |
| 849692 | (No Data) | Product Type | 7/1 I/O ARM | 7/6 IO ARM |
| 849692 | (No Data) | Property Type | 5+ Units | Mixed Use |
| 849692 | (No Data) | Total Cash Out | 346892.19 | 0.00 |
| 849993 | (No Data) | Total Cash Out | 529232.07 | 529329.07 |
| 849998 | (No Data) | Cash Reserves | 785000.00 | 302492.44 |
| 849998 | (No Data) | Combined LTV | 41.24 | 43.96 |
| 849998 | (No Data) | Months Reserves | 58.00 | 66.38 |
| 849998 | (No Data) | Total Cash Out | 520327.65 | 0.00 |
| 849999 | (No Data) | Cash Reserves | 266210.10 | 196565.65 |
| 849999 | (No Data) | Credit Report Date | 09/17/2025 | 09/29/2025 |
| 849999 | (No Data) | Months Reserves | 99.00 | 46.45 |
| 849999 | (No Data) | Total Cash Out | 153555.88 | 0.00 |
| 850000 | (No Data) | Cash Reserves | 416493.48 | 238183.17 |
| 850000 | (No Data) | Months Reserves | 105.00 | 38.22 |
| 850000 | (No Data) | Original Appraisal Date | xxxxxx | xxxxxx |
| 850000 | (No Data) | Total Cash Out | 239515.49 | 0.00 |
| 850002 | (No Data) | Cash Reserves | 495925.49 | 401460.80 |
| 850002 | (No Data) | Months Reserves | 115.00 | 112.65 |
| 850002 | (No Data) | Note Rate | 6.75 | 7.0000 |
| 850002 | (No Data) | Original P&I | 2679.85 | 2748.86 |
| 850002 | (No Data) | Total Cash Out | 94464.69 | 0.00 |
| 850003 | xxxxxx | Credit Report Date | 08/26/2025 | 08/21/2025 |
| 850003 | xxxxxx | Property Type | SFR | SFR-Attached |
| 850003 | xxxxxx | Total Cash Out | 129431.85 | 131944.65 |
| 850004 | xxxxxx | Cash Reserves | 1582239.88 | 1399069.72 |
| 850004 | xxxxxx | Months Reserves | 321.00 | 254.30 |
| 850004 | xxxxxx | Original P&I | 4148.74 | 4147.30 |
| 850004 | xxxxxx | Total Cash Out | 183170.16 | 0.00 |
| 850005 | xxxxxx | Cash Reserves | 181643.00 | 44394.55 |
| 850005 | xxxxxx | Months Reserves | 71.00 | 9.88 |
| 850005 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 850005 | xxxxxx | Total Cash Out | 137248.68 | 0.00 |
| 850008 | (No Data) | Original Appraisal Date | xxxxxx | xxxxxx |
| 850009 | (No Data) | Cash Reserves | 114491.36 | 21765.37 |
| 850009 | (No Data) | Months Reserves | 55.00 | 5.84 |
| 850009 | (No Data) | Total Cash Out | 89168.82 | 0.00 |
| 850011 | (No Data) | Cash Reserves | 682691.94 | 431669.12 |
| 850011 | (No Data) | Combined LTV | 68.18 | 73.17 |
| 850011 | (No Data) | Months Reserves | 73.00 | 30.62 |
| 850011 | (No Data) | Next Payment Change Date | xxxxxx | xxxxxx |
| 850011 | (No Data) | Total Cash Out | 348328.23 | 0.00 |
| 850578 | xxxxxx | Cash Reserves | 352558.00 | 63556.57 |
| 850578 | xxxxxx | Months Reserves | 6.00 | 6.44 |
| 850578 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 850578 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 850578 | xxxxxx | Total Cash Out | 289002.42 | 0.00 |
| 850580 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 850580 | xxxxxx | Total Cash Out | 705325.77 | 700984.77 |
| 850581 | (No Data) | Cash Reserves | 1273960.09 | 539415.09 |
| 850581 | (No Data) | Months Reserves | 19.00 | 24.26 |
| 850581 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 850581 | (No Data) | Total Cash Out | 842530.92 | 0.00 |
| 850583 | (No Data) | Cash Reserves | 197047.25 | 37421.33 |
| 850583 | (No Data) | Combined LTV | 71.88 | 75.00 |
| 850583 | (No Data) | Months Reserves | 103.00 | 10.84 |
| 850583 | (No Data) | Total Cash Out | 159625.92 | 0.00 |
| 850584 | (No Data) | Borrower DSCR Percent | 1.4858 | 1.0758 |
| 850584 | (No Data) | Cash Reserves | 46792.64 | 2810.12 |
| 850584 | (No Data) | Combined LTV | 64.86 | 80.00 |
| 850584 | (No Data) | Months Reserves | 58.00 | 1.88 |
| 850584 | (No Data) | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 850584 | (No Data) | Total Cash Out | 39233.72 | 0.00 |
| 850585 | (No Data) | Cash Reserves | 93398.21 | 12870.71 |
| 850585 | (No Data) | Months Reserves | 81.00 | 6.00 |
| 850585 | (No Data) | Total Cash Out | 80527.50 | 0.00 |
| 850601 | xxxxxx | Debt to Income Ratio (Back) | 1489.6500 | 0.0000 |
| 850601 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 850601 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 850601 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 850887 | (No Data) | Borrower 1 Self Employed Flag | Yes | No |
| 850887 | (No Data) | Cash Reserves | 50673.62 | 61044.19 |
| 850887 | (No Data) | Months Reserves | 8.00 | 8.27 |
| 850887 | (No Data) | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 850931 | xxxxxx | Cash Reserves | 121720.08 | 23950.89 |
| 850931 | xxxxxx | Combined LTV | 58.33 | 70.00 |
| 850931 | xxxxxx | Months Reserves | 16.00 | 13.32 |
| 850931 | xxxxxx | Total Cash Out | 92769.19 | 0.00 |
| 850939 | (No Data) | Cash Reserves | 1107552.85 | 105638.00 |
| 850939 | (No Data) | Months Reserves | 388.00 | 19.28 |
| 850939 | (No Data) | Total Cash Out | 1016908.85 | 0.00 |
| 850941 | xxxxxx | Borrower DSCR Percent | 1.4848 | 1.2609 |
| 850941 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 851029 | xxxxxx | Borrower DSCR Percent | 1.7107 | 1.8669 |
| 851029 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851029 | xxxxxx | Total Cash Out | 229650.85 | 244724.89 |
| 851119 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851119 | xxxxxx | Original Appraised Value | xxxxxx | xxxxxx |
| 851121 | xxxxxx | Cash Reserves | 35298.29 | 55298.29 |
| 851121 | xxxxxx | Months Reserves | 9.00 | 15.08 |
| 851126 | xxxxxx | Representative Credit Score for Grading | 755 | 753 |
| 851128 | xxxxxx | ATR/QM Status | QM: Safe Harbor (APOR) | Non-QM: Lender documented all ATR UW factors |
| 851128 | xxxxxx | Cash Reserves | 56605.39 | 97925.28 |
| 851128 | xxxxxx | Months Reserves | 8.00 | 14.59 |
| 851129 | xxxxxx | Cash Reserves | 353357.65 | 637354.50 |
| 851129 | xxxxxx | Months Reserves | 14.00 | 26.97 |
| 851130 | xxxxxx | Cash Reserves | 192894.99 | 699405.05 |
| 851130 | xxxxxx | Months Reserves | 43.00 | 155.97 |
| 851131 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 851134 | xxxxxx | Cash Reserves | 285313.58 | 151085.08 |
| 851134 | xxxxxx | Months Reserves | 57.00 | 30.61 |
| 851135 | xxxxxx | Cash Reserves | 570962.16 | 581190.99 |
| 851135 | xxxxxx | Months Reserves | 53.00 | 54.47 |
| 851136 | xxxxxx | Cash Reserves | 302893.68 | 332893.68 |
| 851136 | xxxxxx | Months Reserves | 259.00 | 285.35 |
| 851139 | xxxxxx | Cash Reserves | 1146857.39 | 812857.39 |
| 851139 | xxxxxx | Months Reserves | 339.00 | 240.75 |
| 851140 | xxxxxx | Cash Reserves | '-38913.28 | 204296.89 |
| 851140 | xxxxxx | Months Reserves | '-13.00 | 67.52 |
| 851143 | xxxxxx | Cash Reserves | 274962.39 | 99115.15 |
| 851143 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851143 | xxxxxx | Months Reserves | 48.00 | 19.99 |
| 851148 | xxxxxx | Total Cash Out | 149056.59 | 149136.59 |
| 851154 | xxxxxx | Property Type | SFR-Attached | SFR |
| 851155 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 851156 | xxxxxx | Cash Reserves | 323251.50 | 545149.83 |
| 851156 | xxxxxx | Months Reserves | 160.00 | 270.94 |
| 851235 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851338 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851338 | xxxxxx | Product Type | 30 Yr Fixed | 30 yr Fixed - 10 yr IO |
| 851340 | xxxxxx | Total Cash Out | (48.82) | 0.00 |
| 851341 | (No Data) | Cash Reserves | 175088.88 | 74551.41 |
| 851341 | (No Data) | Combined LTV | 66.13 | 70.00 |
| 851341 | (No Data) | Months Reserves | 120.00 | 30.75 |
| 851341 | (No Data) | Total Cash Out | 116116.77 | 0.00 |
| 851628 | (No Data) | Cash Reserves | 326313.31 | 58909.31 |
| 851628 | (No Data) | Months Reserves | 61.00 | 6.09 |
| 851628 | (No Data) | Original Appraised Value | xxxxxx | xxxxxx |
| 851628 | (No Data) | Property Type | 3 Family | Mixed Use |
| 851628 | (No Data) | Total Cash Out | 260686.00 | 0.00 |
| 851656 | xxxxxx | Combined LTV | 14.42 | 67.25 |
| 851656 | xxxxxx | Property Type | Detached PUD | Attached PUD |
| 851656 | xxxxxx | Total Cash Out | 24250.86 | 68702.57 |
| 851808 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851808 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 851808 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 851951 | (No Data) | Borrower DSCR Percent | 0.7534 | 1.3119 |
| 851951 | (No Data) | Cash Reserves | 238599.73 | 39645.38 |
| 851951 | (No Data) | Months Reserves | 80.00 | 13.28 |
| 851951 | (No Data) | Property Type | Detached PUD | Attached PUD |
| 851951 | (No Data) | Total Cash Out | 45643.00 | 0.00 |
| 851954 | (No Data) | Cash Reserves | 391815.73 | 183108.22 |
| 851954 | (No Data) | Months Reserves | 115.00 | 34.93 |
| 851954 | (No Data) | Property Type | Detached PUD | Attached PUD |
| 851954 | (No Data) | Total Cash Out | 208707.51 | 0.00 |
| 851955 | (No Data) | Cash Reserves | 591022.75 | 299529.15 |
| 851955 | (No Data) | Months Reserves | 73.00 | 57.08 |
| 851955 | (No Data) | Property Type | Detached PUD | Attached PUD |
| 851955 | (No Data) | Total Cash Out | 209133.30 | 0.00 |
| 851957 | xxxxxx | Borrower DSCR Percent | 2.6141 | 2.0913 |
| 851957 | xxxxxx | Cash Reserves | 164017.80 | 95690.27 |
| 851957 | xxxxxx | Combined LTV | 77.17 | 80.00 |
| 851957 | xxxxxx | Months Reserves | 117.00 | 47.65 |
| 851957 | xxxxxx | Total Cash Out | 70667.84 | 0.00 |
| 851958 | xxxxxx | Cash Reserves | 461258.03 | 442605.73 |
| 851958 | xxxxxx | Combined LTV | 66.98 | 70.00 |
| 851958 | xxxxxx | Months Reserves | 60.00 | 115.61 |
| 851958 | xxxxxx | Representative Credit Score for Grading | 760 | 775 |
| 851958 | xxxxxx | Total Cash Out | 231850.17 | 0.00 |
| 851959 | xxxxxx | Borrower DSCR Percent | 1.4672 | 1.834 |
| 851960 | xxxxxx | Borrower DSCR Percent | 1.6221 | 1.7807 |
| 851962 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 851963 | (No Data) | Cash Reserves | 105912.84 | 167461.09 |
| 851963 | (No Data) | Months Reserves | 66.00 | 65.64 |
| 851966 | (No Data) | Cash Reserves | 87293.71 | 31803.78 |
| 851966 | (No Data) | Combined LTV | 74.67 | 80.00 |
| 851966 | (No Data) | Months Reserves | 65.00 | 14.57 |
| 851966 | (No Data) | Total Cash Out | 55377.61 | 0.00 |
| 851967 | (No Data) | Cash Reserves | 212240.95 | 93202.07 |
| 851967 | (No Data) | Months Reserves | 88.00 | 24.89 |
| 851967 | (No Data) | Total Cash Out | 119038.88 | 0.00 |
| 851968 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 851968 | (No Data) | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 851968 | (No Data) | Borrower DSCR Percent | 1.3849 | 1.7309 |
| 851968 | (No Data) | Cash Reserves | 1283183.78 | 1171740.46 |
| 851968 | (No Data) | Combined LTV | 75.92 | 80.00 |
| 851968 | (No Data) | Months Reserves | 319.00 | 316.56 |
| 851968 | (No Data) | Total Cash Out | 104089.82 | 0.00 |
| 851969 | (No Data) | Cash Reserves | 77041.10 | 10074.18 |
| 851969 | (No Data) | Months Reserves | 2.00 | 5.83 |
| 851969 | (No Data) | Total Cash Out | 73179.29 | 0.00 |
| 851970 | (No Data) | Cash Reserves | 179310.62 | 27093.30 |
| 851970 | (No Data) | Combined LTV | 70.30 | 80.00 |
| 851970 | (No Data) | Credit Report Date | 09/18/2025 | 09/15/2025 |
| 851970 | (No Data) | Months Reserves | 54.00 | 4.40 |
| 851970 | (No Data) | Total Cash Out | 152217.32 | 0.00 |
| 851973 | (No Data) | Cash Reserves | 316718.25 | 73598.43 |
| 851973 | (No Data) | Months Reserves | 36.00 | 8.28 |
| 851973 | (No Data) | Total Cash Out | (875.63) | 0.00 |
| 851974 | xxxxxx | Cash Reserves | 102333.72 | 5935.63 |
| 851974 | xxxxxx | Months Reserves | 2.00 | 1.88 |
| 851974 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 851974 | xxxxxx | Total Cash Out | 96398.09 | 0.00 |
| 852287 | xxxxxx | Representative Credit Score for Grading | 740 | 765 |
| 852347 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 852464 | (No Data) | Cash Reserves | 153878.84 | 13566.95 |
| 852464 | (No Data) | Months Reserves | 105.00 | 6.10 |
| 852464 | (No Data) | Total Cash Out | 80311.89 | 0.00 |
| 852466 | (No Data) | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 852467 | xxxxxx | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) |
| 852467 | xxxxxx | Total Cash Out | 53425.93 | 0.00 |
| 852468 | (No Data) | Borrower 2 First Name | xxxxxx | xxxxxx |
| 852468 | (No Data) | Total Cash Out | 291007.35 | 0.00 |
| 852471 | xxxxxx | Cash Reserves | 96248.44 | 46931.32 |
| 852471 | xxxxxx | Combined LTV | 72.37 | 75.00 |
| 852471 | xxxxxx | Months Reserves | 77.00 | 24.85 |
| 852471 | xxxxxx | Property Type | Low Rise Condo (1-4) | Condotel |
| 852471 | xxxxxx | Total Cash Out | 49630.18 | 0.00 |
| 852530 | xxxxxx | Next Payment Change Date | xxxxxx | xxxxxx |
| 852530 | xxxxxx | Original Appraisal Date | xxxxxx | xxxxxx |
| 852530 | xxxxxx | Product Type | 30 Yr Fixed | 7/6 IO ARM |
| 854941 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 855044 | xxxxxx | Disbursement Date | xxxxxx | xxxxxx |
| 855044 | xxxxxx | Loan Purpose | Rate and Term Refi | Cashout Refi |
| 856116 | xxxxxx | Representative Credit Score for Grading | 629 | 725 |
| 856121 | xxxxxx | Origination Date | xxxxxx | xxxxxx |
| 856122 | xxxxxx | Debt to Income Ratio (Back) | 36.5880 | 33.3140 |
| 856122 | xxxxxx | Origination Date | xxxxxx | xxxxxx |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.38

**EXHIBIT 99.38**

**clayton non ATR QM Upload**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2026-2** |
| **Start - End Dates:** | **9/18/2025 - 12/17/2025** |
| **Deal Loan Count:** | **137** |
| **Non ATR QM Upload** | **Non ATR QM Upload** |
| *Loans in Report:* | *137* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 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 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/ Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 846659 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2090.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2500.00 | 1.1959 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847562 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1307.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 1.4153 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847565 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2120.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2550.00 | 1.2027 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847628 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5389 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7320.00 | No | (No Data) | 1.3583 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5837.46 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5400.00 | No | (No Data) | 0.9251 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847802 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3444.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | Yes | 3494.00 | 1.0144 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 847803 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5704.82 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6000.00 | No | (No Data) | 1.0517 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848438 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4134.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7700.00 | No | (No Data) | 1.8622 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848439 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2358.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2150.00 | No | (No Data) | 0.9115 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) |
| 848444 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2344.8 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3440.00 | No | (No Data) | 1.4671 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848808 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Mid Rise Condo (5-8) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.4900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2394.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2900.00 | No | (No Data) | 1.2113 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 848813 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.4999 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3688.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4540.00 | No | (No Data) | 1.2307 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) |
| 848815 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2061.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2700.00 | No | (No Data) | 1.3097 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849085 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 5+ Units | 5 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4584.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 5948.00 | 1.2975 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849196 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3090.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6474.00 | No | (No Data) | 2.0950 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) |
| 849197 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Resident Alien | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1729.45 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.2721 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849199 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd | (No Data) | Yes | Yes | 1 | 8.8750 | No | No | 4.438 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3337.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 0.5693 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849201 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4730.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5300.00 | No | (No Data) | 1.1204 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849397 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -971.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1200.00 | No | (No Data) | 1.2356 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849692 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Mixed Use | 5 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.6849 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13864.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 14176.00 | No | (No Data) | 1.0224 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849993 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4267.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3900.00 | No | (No Data) | 0.9138 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849998 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4557.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4800.00 | No | (No Data) | 1.0533 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 849999 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4231.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3400.00 | No | (No Data) | 0.8035 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850000 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 9.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6231.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 0.4173 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850002 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3563.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 1.0102 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Employment Authorization Document | Employment Authorization Document | (No Data) | (No Data) |
| 850003 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1388.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5334.00 | No | (No Data) | 3.8409 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850004 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5501.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5650.00 | No | (No Data) | 1.0270 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850005 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4492.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 13153.00 | No | (No Data) | 2.9278 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850006 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6526.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 11200.00 | No | (No Data) | 1.7161 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850008 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6743.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7840.00 | No | (No Data) | 1.1626 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850009 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3730.15 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6694.00 | No | (No Data) | 1.7946 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850011 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 8.2979 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -14099.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 10800.00 | No | (No Data) | 0.7660 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850578 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Permanent Resident Alien | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9875.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5700.00 | No | (No Data) | 0.5772 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 850580 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.4173 | No | No | 9.88 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6077.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3350.00 | No | (No Data) | 0.5512 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850581 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -22230.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7800.00 | No | (No Data) | 0.3509 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850582 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5001.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8650.00 | No | (No Data) | 1.7296 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850583 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3450.68 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5414.00 | No | (No Data) | 1.5690 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850584 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1492.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 1606.00 | No | (No Data) | 1.0758 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850585 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2145.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5540.00 | No | (No Data) | 2.5827 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850601 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 6.6250 | No | No | 2.65 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5611.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2650.00 | No | (No Data) | 1.0617 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850887 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7377.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 0.4744 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850931 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1798.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3086.00 | No | (No Data) | 1.7162 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850937 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | Permanent Resident Alien | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1257.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1650.00 | No | (No Data) | 1.3126 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 850939 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5480.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6850.00 | No | (No Data) | 1.2500 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850940 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1018.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1200.00 | No | (No Data) | 1.1783 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 850941 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 6.8749 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1031.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1300.00 | No | (No Data) | 1.2609 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851029 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4740.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 8850.00 | 1.8669 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851117 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.7066 | Yes | Yes | 3.332 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.93 | 29.93 | 29.93 | 29.93 | 29.93 | 29.93 | No | Yes | Yes | 10289.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851118 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.3131 | No | No | 3.643 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.56 | 49.56 | 49.56 | 49.56 | 49.56 | 49.56 | No | No | (No Data) | 2179.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851119 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6390 | Yes | Yes | 1.431 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.26 | 39.26 | 39.26 | 39.26 | 39.26 | 39.26 | No | Yes | Yes | 37567.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 120 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851121 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.0615 | No | No | 2.533 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.03 | 45.03 | 45.03 | 45.03 | 45.03 | 45.03 | No | No | (No Data) | 9800.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851123 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4232 | Yes | Yes | 2.438 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.17 | 20 | 20.17 | 20 | 20 | 20 | Yes | Yes | Yes | 48690.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851124 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2846 | No | Yes | 1.749 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.61 | 44.51 | 42.61 | 44.51 | 44.51 | 44.51 | No | No | (No Data) | 11461.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851126 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9146 | Yes | Yes | 1.613 | 1.600 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.4 | 41.4 | 41.4 | 41.4 | 41.4 | 41.4 | No | No | (No Data) | 7367.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months | Award Letter - 12 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851127 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3469 | Yes | Yes | 2.208 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.66 | 42.41 | 42.66 | 42.41 | 42.41 | 42.41 | No | No | (No Data) | 9567.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851128 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1344 | Yes | Yes | 3.138 | 3.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.66 | 34.66 | 34.66 | 34.66 | 34.66 | 34.66 | No | No | (No Data) | 22413.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 851129 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0754 | Yes | Yes | 1.602 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.14 | 38.96 | 39.14 | 38.96 | 38.96 | 38.96 | No | No | (No Data) | 100529.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851130 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7835 | No | No | 2.671 | 2.600 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.28 | 47.28 | 47.28 | 47.28 | 47.28 | 47.28 | No | No | (No Data) | 5073.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851131 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.5279 | Yes | Yes | 4.072 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.04 | 34.04 | 34.04 | 34.04 | 34.04 | 34.04 | No | Yes | Yes | 24661.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851133 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2126 | Yes | Yes | 2.175 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.99 | 23.75 | 24.99 | 23.75 | 23.75 | 23.75 | No | No | (No Data) | 26099.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851134 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3917 | No | No | 2.574 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.84 | 43.66 | 44.84 | 43.66 | 43.66 | 43.66 | No | No | (No Data) | 6428.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 1 months;<br> Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851135 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8728 | No | No | 0.964 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.94 | 49.94 | 49.94 | 49.94 | 49.94 | 49.94 | No | No | (No Data) | 13814.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851136 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.3797 | No | No | 3.536 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.49 | 47.49 | 47.49 | 47.49 | 47.49 | 47.49 | No | No | (No Data) | 3586.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 11 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Personal Bank Statements - 6 months;<br> W2 - 12 months;<br> Written VOE - 11 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851137 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.4846 | Yes | Yes | 4.323 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.98 | 38.98 | 36.98 | 38.98 | 38.98 | 38.98 | No | No | (No Data) | 4893.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 84 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851139 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0794 | Yes | Yes | 1.992 | 1.900 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.54 | 39.54 | 39.54 | 39.54 | 39.54 | 39.54 | No | No | (No Data) | 18323.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851140 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1854 | Yes | Yes | 2.743 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.29 | 31.91 | 32.29 | 31.91 | 31.91 | 31.91 | No | No | (No Data) | 9962.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851141 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8830 | Yes | Yes | 1.615 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.47 | 37.92 | 34.47 | 34.43 | 34.43 | 36.08 | No | No | (No Data) | 35124.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851142 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6921 | No | No | 2.163 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.62 | 47.62 | 47.62 | 47.62 | 47.62 | 48.44 | No | Yes | Yes | 32310.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 6 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851143 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | Yes | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3086 | Yes | Yes | 2.312 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 23.48 | 24.47 | 23.48 | 22.5 | 22.5 | 23.48 | No | Yes | Yes | 26893.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 84 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851144 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5678 | Yes | Yes | 2.328 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.29 | 17.29 | 17.29 | 17.29 | 17.29 | 17.29 | No | Yes | Yes | 48614.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851145 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.9312 | No | No | 4.143 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 46.02 | 0 | 46.02 | 46.02 | 46.02 | No | No | (No Data) | 2039.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months | Award Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851146 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.1608 | No | No | 1.353 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.8 | 47.51 | 48.9 | 47.51 | 47.51 | 47.51 | No | No | (No Data) | 24636.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 72 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851147 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.5610 | No | No | 4.989 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 45.45 | 43.3 | 45.45 | 43.3 | 43.3 | 43.3 | No | No | (No Data) | 8073.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> W2 - 24 months | Award Letter - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851148 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.7779 | No | No | 4.845 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.77 | 47.75 | 49.77 | 47.75 | 47.75 | 47.75 | No | No | (No Data) | 3652.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851150 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.9642 | Yes | Yes | 4.331 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.02 | 35.02 | 35.02 | 35.02 | 35.02 | 35.02 | No | Yes | Yes | 9766.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851154 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6500 | No | No | 2.187 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 54.04 | 54.46 | 54.04 | 54.46 | 54.46 | 54.46 | No | Yes | Yes | 10113.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 120 months | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851155 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1045 | Yes | Yes | 2.105 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.46 | 27.46 | 27.46 | 27.46 | 27.46 | 27.46 | No | No | (No Data) | 11540.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 851156 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1712 | No | No | 2.714 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.02 | 46.02 | 46.02 | 46.02 | 46.02 | 46.02 | No | No | (No Data) | 4678.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851157 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.0922 | No | No | 3.171 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.57 | 49.94 | 49.57 | 49.94 | 49.94 | 49.94 | No | No | (No Data) | 2857.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851158 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.4490 | No | No | 2.802 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.14 | 47.14 | 47.14 | 47.14 | 47.14 | 47.14 | No | No | (No Data) | 9940.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> W2 - 12 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851159 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.6708 | Yes | Yes | 4.476 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 33.62 | 33.62 | 33.62 | 33.62 | 33.62 | 33.62 | No | Yes | Yes | 2531.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 22 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 22 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851213 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.2500 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 30.59 | 0 | 30.59 | 30.59 | 30.59 | (No Data) | (No Data) | (No Data) | 27821.74 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851232 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Permanent Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 18.46 | 0 | 18.46 | 18.46 | 18.46 | (No Data) | (No Data) | (No Data) | 77643.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | CPA Letter without Income - 36 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 851235 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | Yes | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.75 | 0 | 39.75 | 39.75 | 39.75 | (No Data) | (No Data) | (No Data) | 19673.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851338 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7975.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6000.00 | No | (No Data) | 0.7523 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851339 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2889.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 0.7961 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851340 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3918.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3300.00 | No | (No Data) | 0.8421 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851341 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2424.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1600.00 | No | (No Data) | 0.6600 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851345 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2308.25 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3120.00 | No | (No Data) | 1.3517 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851628 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Mixed Use | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9677.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 10150.00 | No | (No Data) | 1.0488 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851656 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 2 | 8.2937 | Yes | Yes | 3.085 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.12 | 40.12 | 40.12 | 40.12 | 40.12 | 40.12 | No | No | (No Data) | 5959.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851808 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2305 | No | No | 0.92 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.29 | 46.29 | 46.29 | 46.29 | 46.29 | 46.29 | No | No | (No Data) | 13104.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 851827 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4245.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2250.00 | No | (No Data) | 1.0550 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851858 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 4%, 4%, 4% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5772.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4100.00 | No | (No Data) | 0.7103 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851951 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.8751 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2986.33 | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3917.76 | No | (No Data) | 1.3119 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851953 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1338.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1250.00 | No | (No Data) | 0.9341 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851954 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5242.47 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5300.00 | No | (No Data) | 1.0110 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851955 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | Non-Resident Alien | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9900 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5247.43 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5300.00 | No | (No Data) | 1.0100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851957 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2008.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4200.00 | No | (No Data) | 2.0913 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851958 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3828.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6088.00 | No | (No Data) | 1.5901 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851959 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9160.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 16800.00 | No | (No Data) | 1.8340 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851960 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2465.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4390.00 | No | (No Data) | 1.7807 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851961 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2703.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4960.00 | No | (No Data) | 1.8344 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851962 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6000.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 11934.00 | No | (No Data) | 1.9889 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851963 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2551.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4469.00 | No | (No Data) | 1.7516 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851966 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2183.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3220.00 | No | (No Data) | 1.4747 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851967 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3744.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6400.00 | No | (No Data) | 1.7092 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851968 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3701.45 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6407.00 | No | (No Data) | 1.7309 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851969 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1727.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3807.00 | No | (No Data) | 2.2043 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851970 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6151.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 13200.00 | No | (No Data) | 2.1459 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851973 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8888.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 10800.00 | No | (No Data) | 1.2151 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 851974 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3155.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3506.00 | No | (No Data) | 1.1111 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 852287 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1409 | No | No | 1.687 | 1.687 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.01 | 46.21 | 0 | 43.61 | 43.61 | 46.21 | No | Yes | Yes | 37260.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 852347 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9949 | Yes | Yes | 0.989 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.25 | 41.25 | 41.25 | 41.25 | 41.25 | 41.25 | No | No | (No Data) | 17623.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 852464 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0001 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2222.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 1.6199 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 852466 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 3%, 1% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4593.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5866.00 | No | (No Data) | 1.2771 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 852467 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3426.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6620.00 | No | (No Data) | 1.9322 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 852468 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7056.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7880.00 | No | (No Data) | 1.1166 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 852471 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Condotel | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1888.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 1968.00 | No | (No Data) | 1.0419 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 852530 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9460 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7296 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5900.00 | No | (No Data) | 0.8087 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 852540 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3136.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3200.00 | No | (No Data) | 1.0201 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 852911 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5490 | No | No | 1.3 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.69 | 45.69 | 45.69 | 45.69 | 45.69 | 45.69 | No | No | (No Data) | 19861.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 22 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L - 22 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 852970 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1932 | Yes | Yes | 2.956 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.84 | 36.84 | 36.84 | 36.84 | 36.84 | 36.84 | No | No | (No Data) | 6306.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 22 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 118 months;<br> P & L - 22 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 853961 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5970 | Yes | Yes | 2.027 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.27 | 39.27 | 39.27 | 39.27 | 39.27 | 39.27 | No | No | (No Data) | 12103.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 854932 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8494 | Yes | Yes | 0.935 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 13.99 | 13.99 | 13.99 | 13.99 | 13.99 | 13.99 | No | No | (No Data) | 63471.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 854941 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2977 | Yes | Yes | 2.654 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.64 | 37.64 | 37.64 | 37.64 | 37.64 | 37.64 | No | No | (No Data) | 26964.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 21 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 60 months;<br> P & L - 21 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 855044 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | Yes | No | 3.375 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 31.71 | 0 | 31.71 | 31.71 | 31.71 | (No Data) | (No Data) | (No Data) | 13734.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 22 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> P & L - 22 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 855832 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9471 | Yes | Yes | 2.929 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.26 | 41.4 | 41.26 | 41.4 | 41.4 | 41.4 | No | No | (No Data) | 3981.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Written VOE - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 856113 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7932 | No | No | 1.288 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.63 | 45.63 | 45.63 | 45.63 | 45.63 | 45.63 | No | No | (No Data) | 6791.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 10 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Business Bank Statements - 12 months;<br> CPA Letter - 60 months;<br> Personal Bank Statements - 12 months | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 10 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 856115 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7653 | No | No | 1.124 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 53.61 | 53.61 | 53.61 | 53.61 | 53.61 | 53.61 | No | No | (No Data) | 2969.73 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 856116 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7250 | No | No | 2.099 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.68 | 46.68 | 46.68 | 46.68 | 46.68 | 46.68 | No | No | (No Data) | 9485.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | Business Bank Statements - 12 months;<br> CPA Letter - 96 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 856118 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 17.66 | 0 | 17.66 | 17.66 | 17.66 | (No Data) | (No Data) | (No Data) | 81412.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 276 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 276 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 856119 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | No | Present | QM: Rebuttable Presumption | xxxxxx | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8224 | Yes | Yes | 2.989 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.26 | 29.32 | 29.26 | 29.32 | 29.32 | 29.32 | No | No | (No Data) | 11000.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 856121 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | No | Present | QM: Rebuttable Presumption | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5000 | Yes | Yes | 0 | Not Applicable | (No Data) | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.2 | 17.2 | 17.2 | 17.2 | 17.2 | 17.2 | No | No | (No Data) | 34355.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 856122 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9603 | Yes | Yes | 0.715 | 0.715 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.58 | 33.31 | 36.58 | 33.31 | 33.31 | 33.31 | No | No | (No Data) | 13487.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 856123 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Rebuttable Presumption (APOR) | No | Present | QM: Rebuttable Presumption | xxxxxx | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.0643 | Yes | Yes | 2.673 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.21 | 41.21 | 41.21 | 41.21 | 41.21 | 41.21 | No | No | (No Data) | 6087.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 10 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 856125 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | xxxxxx | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7817 | Yes | Yes | 1.421 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.94 | 22.45 | 22.94 | 22.45 | 22.45 | 22.45 | No | No | (No Data) | 17863.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.39

**EXHIBIT 99.39**

**CLAYTON rating agency grades report**

---

| | |
|:---|:---|
| **Client Name:** | **Verus** |
| **Client Project Name:** | **Verus 2026-2** |
| **Start - End Dates:** | **9/18/2025 - 12/17/2025** |
| **Deal Loan Count:** | **137** |
| **Rating Agency Grades** | **Rating Agency Grades** |
| ***Loans in Report:*** | *137* |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Morningstar/DBRS Initial Securitization Loan Compliance Grade** | **Morningstar/DBRS Final Securitization Loan Compliance Grade** | **Initial Fitch Loan Compliance Grade** | **Final Fitch Loan Compliance Grade** | **Initial Moodys Overall Loan Grade** | **Final Moodys Overall Loan Grade** | **Initial Moodys Credit Loan Grade** | **Final Moodys Credit Loan Grade** | **Initial Moodys Property Valuations Loan Grade** | **Final Moodys Loan Property Valuations Grade** | **Initial Moodys Loan Compliance Grade** | **Final Moodys Loan Compliance Grade** | **Initial KBRA Loan Compliance Grade** | **Final KBRA Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** |
| 846659 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847562 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 847565 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847628 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847799 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847802 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 847803 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 848438 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 848439 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 848444 | No | xxxxxx | xxxxxx C B A | N/A | N/A C B | N/A | N/A | C | B | C | A | C | B | N/A | N/A C B | N/A | N/A C B | N/A | N/A |
| 848808 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 848813 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 848815 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 849085 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 849196 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 849197 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 849199 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 849201 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 849397 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 849692 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 849993 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 849998 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 849999 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850000 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850002 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850003 | No | xxxxxx | xxxxxx C A | A | A C | A | A | C | A | A | A | C | A | A | A C | A | A C | A | A |
| 850004 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 850005 | No | xxxxxx | xxxxxx C B A | A | A C B | A | A | C | B | A | A | C | B | A | A C B | A | A C B | A | A |
| 850006 | No | xxxxxx | xxxxxx C A | N/A | N/A C | N/A | N/A | C | A | C | A | A | A | N/A | N/A C | N/A | N/A C | N/A | N/A |
| 850008 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 850009 | No | xxxxxx | xxxxxx C B A | N/A | N/A C B | N/A | N/A | C | B | C | B | A | A | N/A | N/A C B | N/A | N/A C B | N/A | N/A |
| 850011 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 850578 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 850580 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 850581 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 850582 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 850583 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850584 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850585 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850601 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 850887 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850931 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 850937 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 850939 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850940 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 850941 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851029 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | A | A | B | B | A | A B | A | A B | A | A |
| 851117 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851118 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851119 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A | C | A | A | A | C | A | A | A C | A | A C | A | A |
| 851121 | Yes | xxxxxx | xxxxxx C A | C | A C | C | A | C | A | A | A | A | A | C | A C | C | A C | C | A |
| 851123 | Yes | xxxxxx | xxxxxx D B A | C | B D A | C | B | D | B | A | A | D | A | C | B D A | C | B D A | C | B |
| 851124 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851126 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851127 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 851128 | Yes | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | B | B | A | A | A | A B | A | A B | A | A |
| 851129 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851130 | Yes | xxxxxx | xxxxxx C B A | C | A C B | C | A | C | B | B | B | A | A | C | A C B | C | A C B | C | A |
| 851131 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851133 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851134 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 851135 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851136 | Yes | xxxxxx | xxxxxx D A C | D | A D C | D | A | D | A | C | A | A | A | D | A D C | D | A D C | D | A |
| 851137 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B | C | B | A | A | A | A | C | B C A | C | B C A | C | B |
| 851139 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B | C | B | A | A | A | A | C | B C A | C | B C A | C | B |
| 851140 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851141 | Yes | xxxxxx | xxxxxx D B A | C | B D A | C | B | D | B | D | B | A | A | C | B D A | C | B D A | C | B |
| 851142 | Yes | xxxxxx | xxxxxx D A | D | A D | D | A | D | A | D | A | A | A | D | A D | D | A D | D | A |
| 851143 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 851144 | Yes | xxxxxx | xxxxxx C B A | C | A C B | C | A | C | B | B | B | A | A | C | A C B | C | A C B | C | A |
| 851145 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A |
| 851146 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 851147 | Yes | xxxxxx | xxxxxx C A B | C | A C B | C | A | C | A | B | A | A | A | C | A C B | C | A C B | C | A |
| 851148 | Yes | xxxxxx | xxxxxx D B A | A | A D B | A | A | D | B | D | B | A | A | A | A D B | A | A D B | A | A |
| 851150 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851154 | Yes | xxxxxx | xxxxxx D B A | D | B D A | D | B | D | B | D | A | A | A | D | B D A | D | B D A | D | B |
| 851155 | Yes | xxxxxx | xxxxxx C A | C | A C | C | A | C | A | C | A | A | A | C | A C | C | A C | C | A |
| 851156 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851157 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B | C | B | A | A | A | A | C | B C A | C | B C A | C | B |
| 851158 | Yes | xxxxxx | xxxxxx C B A | C | A C B | C | A | C | B | C | B | A | A | C | A C B | C | A C B | C | A |
| 851159 | Yes | xxxxxx | xxxxxx C B A | C | B C A | C | B | C | B | B | B | C | A | C | B C A | C | B C A | C | B |
| 851213 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851232 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851235 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851338 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851339 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851340 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851341 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | A | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 851345 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851628 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851656 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A C | A | A C | A | A |
| 851808 | Yes | xxxxxx | xxxxxx C A | C | A C | C | A | C | A | A | A | A | A | C | A C | C | A C | C | A |
| 851827 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851858 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851951 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851953 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851954 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851955 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851957 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851958 | No | xxxxxx | xxxxxx D B A | D | A D B | D | A | D | B | B | B | A | A | D | A D B | D | A D B | D | A |
| 851959 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851960 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 851961 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851962 | No | xxxxxx | xxxxxx C A | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A |
| 851963 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851966 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851967 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851968 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851969 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851970 | No | xxxxxx | xxxxxx D A C | N/A | N/A D C | N/A | N/A | D | A | C | A | D | A | N/A | N/A D C | N/A | N/A D C | N/A | N/A |
| 851973 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 851974 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 852287 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A |
| 852347 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 852464 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 852466 | No | xxxxxx | xxxxxx D A | N/A | N/A D | N/A | N/A | D | A | D | A | D | A | N/A | N/A D | N/A | N/A D | N/A | N/A |
| 852467 | No | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 852468 | No | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | A | A | A | A | A | A | N/A | N/A | N/A | N/A | N/A | N/A |
| 852471 | No | xxxxxx | xxxxxx B A | A | A B | A | A | B | B | A | A | B | B | A | A B | A | A B | A | A |
| 852530 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 852540 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 852911 | Yes | xxxxxx | xxxxxx D A | A | A D | A | A | D | A | D | A | A | A | A | A D | A | A D | A | A |
| 852970 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 853961 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 854932 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 854941 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 855044 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 855832 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 856113 | Yes | xxxxxx | xxxxxx D A | D | A D | D | A | D | A | A | A | A | A | D | A D | D | A D | D | A |
| 856115 | Yes | xxxxxx | xxxxxx D A | D | A D | D | A | D | A | A | A | A | A | D | A D | D | A D | D | A |
| 856116 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 856118 | No | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 856119 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 856121 | Yes | xxxxxx | xxxxxx C A | A | A C | A | A | C | A | C | A | A | A | A | A C | A | A C | A | A |
| 856122 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 856123 | Yes | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 856125 | Yes | xxxxxx | xxxxxx D A | C | A D | C | A | D | A | D | A | A | A | C | A D | C | A D | C | A |

---

## Exhibit 99.40

**EXHIBIT 99.40**

**CLAYTON Valuations summary**

---

| | |
|:---|:---|
| **Client Name:** | Verus |
| **Client Project Name:** | Verus 2026-2 |
| **Start - End Dates:** | 9/18/2025 - 12/17/2025 |
| **Deal Loan Count:** | 137 |
| **Clayton Valuations Summary** | **Clayton Valuations Summary** |
| *Loans in Report:* | *137* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | | |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Infomation** |
| **Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **Confidence Score** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Valuation Source** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** |
| 846659 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 847562 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/20/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 847565 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 847628 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 5 |
| 847799 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/17/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 847802 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/08/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 847803 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/08/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 848438 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/18/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 848439 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.6 |
| 848444 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 848808 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/20/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 848813 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 848815 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 849085 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | Other |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | Other | 09/24/2025 | xxxxxx | xxxxxx | 0.77% | (No Data) |
| 849196 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.4 |
| 849197 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/22/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 849199 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/16/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 849201 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 849397 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 849692 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Other |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | Other | 10/02/2025 | xxxxxx | xxxxxx | -0.41% | (No Data) |
| 849993 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 849998 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | xxxxxx | 09/25/2025 | xxxxxx | xxxxxx | -9.88% | xxxxxx | 96 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 849999 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 850000 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/21/2025 | xxxxxx | xxxxxx | -0.90% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 850002 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/30/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 850003 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/30/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 850004 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 09/12/2025 | xxxxxx | xxxxxx | -3.70% | xxxxxx | 89 | xxxxxx | 09/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.1 |
| 850005 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/18/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 850006 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/08/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.1 |
| 850008 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 850009 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 850011 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/15/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 850578 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 850580 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 850581 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  | 09/23/2025 | xxxxxx | xxxxxx | -4.00% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.6 |
| 850582 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/07/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 850583 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/07/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 850584 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/13/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 850585 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 850601 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 850887 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/07/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 850931 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.5 |
| 850937 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 850939 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/22/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 850940 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/07/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 850941 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 08/27/2025 | xxxxxx | xxxxxx | -0.70% | xxxxxx | 90 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851029 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/07/2025 | xxxxxx | xxxxxx | 2.86% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851117 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 851118 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  | 09/04/2025 | xxxxxx | xxxxxx | 1.47% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/09/2025 | xxxxxx | xxxxxx | 1.47% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.2 |
| 851119 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  | 09/24/2025 | xxxxxx | xxxxxx | -4.92% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 851121 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851123 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851124 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.8 |
| 851126 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851127 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.3 |
| 851128 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/22/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851129 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  | 09/22/2025 | xxxxxx | xxxxxx | 2.94% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851130 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851131 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/06/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851133 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/01/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 851134 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/23/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 851135 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851136 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851137 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/09/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851139 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 851140 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 851141 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  | 09/19/2025 | xxxxxx | xxxxxx | 13.10% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 851142 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/11/2025 | xxxxxx | $0.00 | 0.00% | xxxxxx | 09/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4.9 |
| 851143 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 851144 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851145 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/19/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 851146 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 08/20/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851147 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 851148 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851150 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851154 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851155 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/25/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851156 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851157 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 851158 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/25/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851159 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.2 |
| 851213 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851232 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 851235 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851338 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851339 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 851340 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/13/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| 851341 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.3 |
| 851345 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/16/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.5 |
| 851628 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Other |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 10/02/2025 | xxxxxx | xxxxxx | 5.19% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851656 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851808 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851827 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851858 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/23/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.6 |
| 851951 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851953 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851954 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/16/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851955 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/16/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851957 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851958 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851959 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/24/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 4 |
| 851960 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/01/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851961 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/03/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 851962 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.7 |
| 851963 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 09/30/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851966 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851967 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 851968 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 851969 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | xxxxxx | 10/10/2025 | xxxxxx | xxxxxx | -1.14% | xxxxxx | 96 |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851970 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/07/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851973 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/15/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 851974 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 852287 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  | 10/24/2025 | xxxxxx | xxxxxx | 2.50% | Full Appraisal |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.8 |
| 852347 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/01/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 852464 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/29/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 852466 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/08/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.4 |
| 852467 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | xxxxxx | 10/22/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3 |
| 852468 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 852471 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 852530 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/09/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 3.7 |
| 852540 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/15/2025 | xxxxxx | xxxxxx | -5.16% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 852911 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/03/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 852970 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 853961 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2.5 |
| 854932 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 854941 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/14/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.4 |
| 855044 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/29/2025 | xxxxxx | xxxxxx | -6.74% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 855832 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/30/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 856113 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/11/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 856115 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1.1 |
| 856116 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 856118 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 856119 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 2 |
| 856121 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 856122 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | 1 |
| 856123 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 10/21/2025 | xxxxxx | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 856125 | xxxxxx | $0.00 | xxxxxx | xxxxxx | xxxxxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% |  |  | xxxxxx | 11/14/2025 | xxxxxx | xxxxxx | -4.29% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.